2. 'What Are We to Do with Our New Affluence?' Anticipating, Framing and Managing the Putative Plenty of Post-War Finland
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Tapiola Vuosikertomus 2002
Annual Report2002 w w w. t a p i o l a. f i Annual Report 2002 The official financial statements of all the companies belonging to the Tapiola Group are available on Internet www.tapiola.fi or at the head office, Revontulentie 7, Espoo. The annu- al report may be ordered by fax +358 9 453 2920 from the information department or by e-mail [email protected]. Repro Textop Oy, Print Martinpaino Oy, 2003 441 397 Painotuote Contents 3 Tapiola in short ...................................................... 4 Review by the President ............................................. 6 Tapiola’s administrative bodies ..................................... 8 Tapiola General 23 Tapiola Pension 37 Tapiola Life 55 Tapiola Corporate Life 69 Tapiola Asset Management Ltd 81 Tapiola Fund Management Company Ltd 85 Tapiola Bank Ltd 91 Tapiola Group 93 Staff report........................................................... 94 Social distribution of income ........................................ 97 Social responsibility.................................................. 98 Advisory boards ..................................................... 100 Organization......................................................... 108 Offices and service outlets .......................................... 112 Guide to the reader.................................................. 116 4 This is Tapiola Tapiola is owned by its customers apiola is a group of companies owned by its cus- Tapiola General Ttomers. The Tapiola Group comprises four in- surance companies, a fund -
Q2 Pohjola Group
Debt Investor Presentation OP-Pohjola Group and Issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com 2 OP-Pohjola Group Issuing entities are Pohjola Bank plc and OP Mortgage Bank y Leading financial services provider in Finland y Pohjola Bank is rated double A by all three Rating Agencies y Strong capital position and deposit funding base y Liquidity buffer to cover 24 months of maturing wholesale funding y Finnish risk exposure y OP-Pohjola Group's stress test results: The group ranks 9th out of the 91 European banks on capital adequacy. Earnings and capital base remain strong even in the adverse scenarios (Tier 1 ratio at lowest 12.3% end 2011). Pohjola/IR 3 Finnish Economy Pohjola/IR 4 GDP volume, demand components Change in GDP volume GDP shares in 2009 in brackets 8 % 160 Index 6 150 United States Exports 4 (37.4%) 140 2 GDP 130 Private consumption 0 120 (54.9%) -2 Euro Area 110 -4 Public consumption Finland 100 (25.1%) Fixed investment -6 (19.5%) 90 -8 00 01 02 03 04 05 06 07 08 09 10f 11f 909192939495969798990001020304050607080910f11f Sources: Statistics Finland, forecasts OP-Pohjola Group, August 2010 Sources: Reuters EcoWin, forecasts OP-Pohjola Group (August 2010) and IMF (July 2010) Pohjola/IR 5 Finland’s export Goods exports by product group Share of total exports and annual change 2009 Other Forest products industry change -19.8% products Machinery, 10.2% change -23.1% equipment 19.3% and transport Chemical equipment industry 21.5% change -32.8% products 17.3% change -25.7% Electric and electronics 20.6% -
1900-Luvun Suomalaisen Arkkitehtuurin Tyylit, Osa II Elina Standertskjöld Amanuenssi, Suomen Rakennustaiteen Museo [email protected]
Rakennusperintö – 1900-luvun suomalaisen arkkitehtuurin tyylit, osa II Elina Standertskjöld Amanuenssi, Suomen rakennustaiteen museo [email protected] 1930-luku miseen. He ottivat kantaa myös yhteiskunnalli- siin kysymyksiin, työväestön ja vähävaraisten Maailmanlaajuinen talouslama, joka alkoi New puolesta. Liike oli demokraattinen ja kansainvä- Yorkin pörssiromahduksesta kesällä 1929, hil- linen. Sen keulakuvaksi nousi sveitsiläinen ark- jensi myös Suomen vientimarkkinat ja valta- kitehti Le Corbusier, jonka mukaan ihmiskun- kunta ajautui rahoituskriisiin. Laman aikana, nan pelastus oli uudessa arkkitehtuurissa. Sak- jolloin kaikesta oli pulaa, karsittiin rakennuksis- sassa keskeisessä asemassa oli arkkitehti Walter takin kaikki mikä miellettiin turhaksi. Tilojen Gropiuksen 1919 perustama Bauhaus-koulu. suunnittelussa ja materiaalien valinnoissa pyrit- Koulun opetus käsitti kaikki taiteen alat, ja sen tiin säästämään. Niukkaeleinen tyyli liittyi myös vaikutus ulottuu pitkälle meidänkin päiviemme laajempaan yhteiskunnalliseen murrokseen. arkkitehtuuriin, valokuvaukseen, kirjapainotai- Arkkitehtien tärkeimmäksi työtehtäväksi teeseen ja muotoiluun. nousi pienasuntojen suunnittelu, mikä edellytti Funktionalismin aikakaudella modernista tuli massatuotantoa ja standardisointia. Ornament- muotisana, jolla oli vahva positiivinen lataus. tien ja yksilöllisten rakennusosien valmistus ei Koneita ja tekniikkaa ihailtiin siinä määrin, että ollut teollisesti mahdollista. Muutos alkoi vähi- niistä tuli suosittuja aiheita maalaustaiteessa ja -
Linja 164 Matinkylä (M) – Kiviruukki – Saunalahti – Saunaniemi
Linja 164 Matinkylä (M) – Kiviruukki – Saunalahti – Saunaniemi Arki 12-13:30 13:30-15 6-6:30 6:30-9 15-18 18-20 20-22 22-24 9-12 5-6 yhteyden Matinkylän metroasemalle. Linjan 164 toinen pääpiste on Saunaniemessä, vuoroväli 30 15 15 15 15 15 15 15 30 30 jonne Saunalahden alueen kasvu kohdistuu kierrosaika 50 55 60 55 55 55 60 55 50 50 jatkossa. Lauantai 19-21 21-22 22-24 9-19 5-7 7-9 Linja 164 muodostaa linjan 165 kanssa linjaparin. Linjojen vuorot pyritään tahdistamaan vuoroväli 30 30 15 30 30 30 Matinkylän ja Saunalahden välillä. kierrosaika 50 55 55 55 50 50 Sunnuntai Linjan 164 reitti kulkee Saunalahdesta 10-19 19-21 21-24 Kivenlahden teollisuusalueen kautta 8-10 6-8 Kivenlahdentielle. Näin linja tarjoaa myös työmatkayhteyksiä Kivenlahden teollisuusalueelle vuoroväli 30 30 30 30 30 Matinkylän metroasemalta. Kivenlahden kierrosaika 50 50 50 50 50 teollisuusalueelle on muodostumassa Linjapituus: 9,9 km tulevaisuudessa enemmän kaupallisia palveluita. Kiertelevyys- 1,25 indeksi: Keskeiset vaihtopaikat reitin varrella Matinkylä (M) Linjan kuvaus Linja tarjoaa liityntäyhteydet Saunaniemestä ja Sopivat ajantasauspaikat Saunalahdesta Matinkylän metroasemalle. Linja Maininki 164 tarjoaa myös Kattilalaakson eteläosista Tahdistustavoitteet Tulevaisuuden suunnitelmat Linja 165/A välillä Matinkylä-Saunalahti Länsimetron jatkeen myötä Espoonlahden suur- alueen liityntälinjasto tulee muuttumaan Infrastruktuuri Matinkylän terminaalin ympäristössä, Piispansillalla, liikenteen ennakoidaan ruuhkautuvan. Linjan reitti Kummelivuoren alueella edellyttää -
Latest Development in the Finnish Building Information System
LATEST DEVELOPMENT IN THE FINNISH BUILDING INFORMATION SYSTEM Matti Rautiola> ICIS NEW ZEALAND > 2016-03-14 1 MATTI RAUTIOLA Director General Professor, Architect SAFA The Building Information Foundation RTS Malminkatu 16 A, POB 1004, FIN-00101 Helsinki Tel +358 40 5088861 [email protected] www.rakennustieto.fi Matti Rautiola> ICIS NEW ZEALAND > 2016-03-14 2 THE BUILDING INFORMATION FOUNDATION RTS • Established in 1942 • Finnish Association of Architects • Alvar Aalto, Viljo Revell, Aarne Ervi, Aulis Blomstedt • Private, not-for-profit foundation • Ownership • R & D • Certification • Publishing rights of main products • New information content through 50 committees / 500experts • BuildingSmartFinland / 110 members • New information with 60 partner organisations • Societal networking • Public forums • Grants, scholarships and awards Matti Rautiola> ICIS NEW ZEALAND > 2016-03-14 3 THE BUILDING INFORMATION FOUNDATION RTS • Comprehensive coverage in urban planning, design, construction, maintenance Collaboration with The Electrical Contractors´ Association of Finland STUL / Info • Finland / Helsinki, Tampere, Kuopio • Estonia / Tallinn • Russia / St. Petersburg, • No public funding • Turnover € <10 M • Staff of 90 Matti Rautiola> ICIS NEW ZEALAND > 2016-03-14 4 SERVICES AND PRODUCTS > RT Files, Planning, Building and Structural Design > RT HVAC > RT KH, Facitlity Mangement > RT Infra, Infra Structure > RT Ratu, Building Productivity Files, DigiRatu > RT SIT, Interior Design > RT Product, Building Materials and Products > RT Specification -
It Is Hoped the Necessity of Efficient Libraries As a Support To;*
DOCUMENT ED 071 ,31 LI 004 135 TITLE Advaittms in Library and Information Sciencein Finland. INSTITUTION Finnish Government, Helsinki.: PUB DATE 72 NOTE 27p.;(0 References) AVAILABLE FROMSumas larjastoseura (Finnish LibraryAssoc.); Nuseokatu 18 A, -00100 -Helsinki 10 Finland(No charge) EDPS PRICE 111-$0.65 RC Not -Available fromEDRS. DESCRIPTORS ForeignCountries; *InformationScience;Information Systems;Librarians;:Library :Collections; Library Planning;*LibraryScience; *Public -Libraries; *Research _Libraries- IDENTIFIERS *Finland; NORDDOIC; :Nordic CommitteeOn DocuMentation and infOrmition; Sciehtifidwand.Technical Information -ABSTRACT --* The reseatch,Llibitries in Finland-are inthe majOrity ofcase-libraries of universities=-and other institutionsforhigher education.:Librariect tesearch_.institutes-and=_Soms other=special libraries account for -some 20-30% of-the-total _OperatiOnalcapacity. Itishopedthe necessity of efficientlibraries as a Support to;* teaching _and research willbe_expressed:in ,a concrete way -in the revised legislation concerning. thedevelopmentof the university system. .The-developMent of publiclibraries from 1964: through 1972 is briefly traced and the develOpment ofScientific and technical information- from _1964=through 1970 is recounted..(MithortigH) -PERMISSION TO REPRODUCE THIS COPY- U.S. DEPARTMENT OF HEALTH. RIGHTED MATERIAL SY MICROFICHE ONLY EDUCATION & WELFARE HAS,REEN GRANTED fly_ . 4 ,OFFICE OF EDUCATION 3 (Jom; IICI f S JOS &Ara. TIIS DOCUMENT, HAS BEEN REPRO- DUCED EXACTLY AS RECEIVED FROM 1,iraty -
Espooresidents for Magazine a Its Own Era
FOR A GREENER ENVIRONMENT CITY OF DOZENS 2 OF LAKES 2018 FUTURO – UFO OF A MAGAZINE FOR ESPOORESIDENTS FOR MAGAZINE A ITS OWN ERA Max Grönholm overhauled his life. LIFE UNDER The entrepreneur now also has time for the family. CONTROL PAGES 8–11 MY ESPOO Helena Sarjakoski, Specialist at the city’s TIMO PORTHAN CULTURE AND COMPANIONS Cultural Unit, finds suitable culture compan- ions for the customers and books the tickets. Arja Nikkinen and Kirsti Kettunen meet swimming buddies for those needing special The culture companion’s ticket is free of each other at cultural events. They have support. charge. experienced the ballets Giselle and Don “We exchange opinions about the perfor- “With a culture companion, you can ac- Quixote together, and on 2 May they went to mances with Kirsti during the intermissions. cess the City of Espoo’s cultural institutions see Les Nuits – The Nights. And Kirsti fetches our coats through the and main rehearsals of the National Opera”, Kirsti acts as Arja’s culture companion. A crowd as I walk with crutches”, Arja says. Sarjakoski says. culture companion arranged by the City of About ten volunteers work in Espoo annu- “The service has also led to longer coop- Espoo comes along to a cultural event simi- ally as culture companions to roughly 300 eration relationships. Those could even be larly to how the city provides exercise and customers. called friendships.” PIRITTA PORTHAN Culture companions at EMMA. Kirsti Kettunen has been a culture companion already for five years. With Arja Nikkinen, she will also attend the Organ Night & Aria Festival in June. -
OP-Pohjola Group Annual Review 2013 List of Contents
OP-Pohjola Group Annual Review 2013 List of contents Year 2013 Executive Chairman's Review 11 OP-Pohjola Group 12 Group Member Banks 13 OP-Pohjola Group Central Cooperative 14 Pohjola Bank Plc 15 OP-Services Ltd 16 Highlights 2013 17 Strategy 18 Key Elements of Strategy 19 Financial Targets 20 Business Development on a long-term basis 21 Responsible Growth 22 Core Values 23 Operating environment 24 Financial Sector in the face of Major Transformation 26 Risk Management 27 Year 2013: Customer Cases 28 Business Lines Customers and Loyalty Benefits 37 Banking 40 Non-life Insurance 42 Wealth Management 45 Human Resources 47 Business Lines: Customer Cases 49 Responsibility Corporate Social Responsibility at OP-Pohjola Group 56 Executive Chairman’s Review 57 Megatrends, Risks and Opportunities in the Financial Sector 58 OP-Pohjola's Mission and Strategy 60 Materiality in OP-Pohjola Group's Corporate Social Responsibility 61 Management of Corporate Social Responsibility 63 Corporate Social Responsibility Programme 67 Local Presence and Society 68 Stakeholder Responsibility 71 Responsible Products and Services 75 Ethical Business 79 Environmental Responsibility 81 OP-Pohjola Group GRI Corporate Responsibility Data 82 GRI Content Index 83 GRI Perfomance Indicators 94 Management Approaches 96 GRI Aspects in the Financial Sector 97 Economic Responsibility 99 Environmental Responsibility 101 Social Responsibility 103 GRI Reporting Principles 109 Responsibility: Customer Cases 113 Structure and Governance OP-Pohjola Group's Corporate Governance 117 Executive Board 118 Supervisory Board 127 OP-Pohjola Group 1 Year 2013 Year 2013 In 2013 as a whole, OP-Pohjola Group showed one of the best results in its history, showing strong growth. -
Linja 111 Teekkarikylä–Pohjois-Tapiola–Tapiola
Linja 111 Teekkarikylä–Pohjois-Tapiola–Tapiola–Westend–Matinkylä–Hyljelahti Arki 12-13:30 13:30-15 6-6:30 6:30-9 15-18 18-20 20-22 22-24 9-12 5-6 Linjan kuvaus Linja 111 luo liityntäyhteydet Otaniemen, Tapiolan ja Matinkylän metroasemille vuoroväli 30 15 10 15 15 15 10 15 20 30 Teekkarikylästä, Pohjois-Tapiolasta, Westendistä, kierrosaika 80 85 95 85 85 85 95 85 80 75 Haukilahdesta ja Hyljelahdesta. Lauantai 19-21 21-22 22-24 Linja 111 on päälinja Otaniemen ja Pohjois- 9-19 5-7 7-9 Tapiolan välillä sekä Teekkarikylässä tarjoten hyvät liityntäyhteydet Otaniemen metroaseman Tietotien sisäänkäynnille. vuoroväli 30 30 15 20 30 30 kierrosaika 75 80 80 80 80 80 Linja 111 reitti kulkee Tapiolan ja Westendin Sunnuntai välillä Tapiolantien kautta tarjoten Sateenkaaren alueelle liityntäyhteydet Tapiolaan. 10-19 19-21 21-24 8-10 6-8 Westendissä linja 111 on alueen ainoa bussilinja. Se on linjattu Hiiralantielle, jonka varrella sijaitsee vuoroväli 30 30 30 30 30 mm. Westendinpuiston koulu. kierrosaika 75 75 75 75 75 Linjan 111 reitti Matinkylässä kulkee Nelikkotien Linjapituus: 15,1 km kautta, jolloin linjalta muodostuu hyvä Kiertelevyys- 1,67 vaihtomahdollisuus metroon Piispansillan indeksi: pysäkeillä. eivät kuitenkaan välttämättä sovellu Linja 111 on myös Hyljelahdessa alueen ainoa ajantasaukseen niiden sijainnista, toiminnallisista linja. Yhteydet Espoonlahteen muuttuvat ratkaisuista sekä pysäkkien vilkkaudesta johtuen. vaihdollisiksi. Espoonlahteen pääsee vaihtamalla Toisena vaihtoehtona on tasata aikaa linjalle 543 Suomenlahdentiellä tai linjalle 150 Suomenlahdentien pysäkeillä Tiistiläntien Matinkylän terminaalissa. risteyksen tuntumassa. Linja 111 voidaan vaihtoehtoisesti päättää Tulevaisuuden suunnitelmat Matinkylän terminaaliin ja linja 112 jatkaa Hyljelahteen. Tällöin niiden reitti muuttuisi siten, Länsimetron jatkeella Kivenlahteen voi olla että linja 111 ajaisi Matinkylään Matinkadun vaikutuksia linjaan 111 Matinkylän ja Hyljelahden kautta ja linja 112 Nelikkotien kautta jatkaen välillä. -
Introducing Health and Wellbeing Technologies
INTRODUCING HEALTH AND WELLBEING TECHNOLOGIES Final report of the mHealth booster project, 17/12/2014 Authors: Frank Ryhänen Paula Lehto Eeva Järveläinen Katariina Raij Anniina Honkonen Katja Tikkanen Laura Aaltonen Layout: Irma Savolainen, Jukka Malkamäki ISBN 978-951-799-407-1 3 mHealth booster 2014 CONTENTS Introduction .......................................................................................................................... 7 4.3 User tests from the perspective of the elderly ......................................................... 28 Abstract .................................................................................................................................. 8 4.3.1 Results of user tests ............................................................................................. 30 4.3.2 Summary of product testing ........................................................................... 31 1 Introduction .......................................................................................................................... 9 4.4 Assessment results from the perspective of experts ............................................. 32 1.1 Technology-assisted independent living ................................................................... 9 4.5 Health and wellbeing technology to support young people in 1.2 Premises and backbround for the project ................................................................. 10 managing everyday life .................................................................................................. -
Shopping Center a Bloc, Pdf, Attachment
WELCOME TO FINLAND’S MOST INNOVATIVE SHOPPING CENTER Shopping center A Bloc is the beating heart and meeting place of the Aalto University Otaniemi campus with its restaurants, cafés and other services. A Bloc won NCSC Best Innovation in Finland 2019 award and is rightly Finland’s most innovative shopping center. A Bloc was constructed in 2018 in con- entrance of the Aalto University metro sta- nection with the Aalto University metro tion is located within the shopping center, station, and houses restaurants and and Otaniemi bus lines run next to the build- cafés, specialty stores, grocery stores, a ing. In the future, also the Jokeri Light Rail pharmacy and Alko. The shopping center will pass the shopping center. also has a 12 sqm pop-up space and a pro- motional spot for lease. A Bloc is a part of Normally, approximately 17,000 custom- the building complex designed by Verstas ers visit A Bloc daily during the week, and Architects, which also includes the School approximately 7,000 during the weekend. of Arts, Design and Architecture and the The shopping center is owned by Aalto School of Business. University Foundation sr and managed by Aalto University Campus and Real Estate. A Bloc is located in Espoo right in the center of Otaniemi with Anchor tenants: Alepa Otaniemi, Alko, excellent public transport Food & Co A Bloc, K-Mar ket Otaniemi and connections. The other Otaniemen Apteekki. KEY FIGURES 2020 Sales (EUR million) 14,19 (2019: 18,95) Visitors (million) 2,76 (2019: 5,13) Gross leasable area (sqm) 6000 Number of stores 15 Parking spaces 70 Year of construction 2018 Opening hours MON–SAT 6–24 SuN 9–24 1st floor 2nd floor OTANIEMI Servinkuja Otaniemi Otak Population Working Maijan tie Otnäs aari • Approx. -
Office for Rent in FMO Tapiola Tuulikuja 2 Suur Tapiola 00100 Espoo
Homepage / Green office buildings / FMO Tapiola FMO Tapiola Tuulikuja 2 Suur Tapiola 00100 Espoo Finland Office Rental Fee (m2 / month) Available Office Space : - Rented Service Charge: - Min. Office Space for Rent: - Tuulikuja 2 Suur Tapiola 00100 Espoo Finland Available Office Space: Rented Spatial Data Office Building Category: Office Building Description Building Status: Exist The highest wooden offiice with Five stories,floor space 13,300 m2 2 includes several innovations related to structures and products Office Space in Total : 13300 m Available Office Space : Rented Description of Location Rentable Offices : - Tapiola is a district of Espoo on the south coast of Finland, and is one of Min. Office Space for Rent : - the major urban centres of Espoo. The name Tapiola is derived from Tapio, who is the forest god of Finnish mythology, especially as Add-on Factor: - expressed in the Kalevala, the national epic of Finland. Occupancy Rate: 100% Green Office Data Wood as an environmentally friendly Financial Information building material Office Rental Fee: - • Fully renewable industrial building material • The use of wood helps mitigate climate change Service Charge: - – Wood products store the carbon that trees bind when they grow Min. Rental Period: - – Production of wood products causes only minor greenhouse gas emissions Financial Guarantee: - • Regarding energy, the production of wood products is selfsufficient and the main energy source is bioenergy Rent Calculator » • Wood can be recycled or utilised as fuel in energy production