AI Terminal

MODULE: AI_ANALYST
Interactive Q&A, Risk Assessment, Summarization
MODULE: DATA_EXTRACT
Excel Export, XBRL Parsing, Table Digitization
MODULE: PEER_COMP
Sector Benchmarking, Sentiment Analysis
SYSTEM ACCESS LOCKED
Authenticate / Register Log In

Pihlajalinna Oyj

Annual Report Mar 19, 2020

3282_tar_2020-03-19_334127b8-100c-4542-8f85-9cd6e438fe27.pdf

Annual Report

Open in Viewer

Opens in native device viewer

SUPPLEMENT DOUCUMENT TO MEHILÄINEN YHTIÖT OY'S TENDER OFFER DOCUMENT DATED 8 JANUARY 2020 RELATING TO THE VOLUNTARY PUBLIC CASH TENDER OFFER FOR ALL ISSUED AND OUTSTANDING SHARES IN PIHLAJALINNA PLC

19 March 2020

THE TENDER OFFER IS NOT BEING MADE DIRECTLY OR INDIRECTLY IN ANY JURISDICTION WHERE PROHIBITED BY APPLICABLE LAW AND THE TENDER OFFER DOCUMENT AND RELATED ACCEPTANCE FORMS AND SUPPLEMENT DOCUMENTS ARE NOT AND MAY NOT BE DISTRIBUTED, FORWARDED OR TRANSMITTED INTO OR FROM ANY JURISDICTION WHERE PROHIBITED BY APPLICABLE LAW BY ANY MEANS WHATSOEVER INCLUDING, WITHOUT LIMITATION, MAIL, FACSIMILE TRANSMISSION, E-MAIL OR TELEPHONE. IN PARTICULAR, THE TENDER OFFER IS NOT MADE IN AND THE TENDER OFFER DOCUMENT AND THIS SUPPLEMENT DOCUMENT MUST UNDER NO CIRCUMSTANCES BE DISTRIBUTED INTO CANADA, JAPAN, AUSTRALIA, SOUTH AFRICA, HONG KONG SPECIAL ADMINISTRATIVE REGION OF THE PEOPLE'S REPUBLIC OF CHINA OR NEW ZEALAND OR ANY OTHER JURISDICTION WHERE PROHIBITED BY APPLICABLE LAW.

Mehiläinen Yhtiöt Oy (the "Offeror" or "Mehiläinen") supplements the tender offer document dated 8 January 2020 (the "Tender Offer Document") in accordance with Chapter 11, Section 11, Subsection 4 of the Finnish Securities Market Act (746/2012, as amended) with the following information of this document (the "Supplement Document"):

Pihlajalinna Plc ("Pihlajalinna") published its audited consolidated financial statements for the financial period ended on 31 December 2019 (the "Consolidated Financial Statements") on 19 March 2020. The Consolidated Financial Statements include the report of the Board of Directors. The Offeror supplements Sections 5.10 and 5.11 of the Tender Offer Document with the Consolidated Financial Statements, which are added as Appendix F to the Tender Offer Document.

The Tender Offer Document and the Supplement Document will be available in Finnish from 20 March 2020 onwards at the headquarters of Mehiläinen, Pohjoinen Hesperiankatu 17 C, 6th floor, FI-00260 Helsinki, Finland, the headquarters of Nordea Bank Abp, Satamaradankatu 5, FI-00020 Nordea, Finland and at Nasdaq Helsinki, Fabianinkatu 14, FI-00130 Helsinki, Finland. The electronic versions of the Tender Offer Document and the Supplement Document will be available in Finnish from 19 March 2020 onwards online at ostotarjous.mehilainen.fi, investors.pihlajalinna.fi/public-tender-offer and nordea.fi/osakkeet, and in English from 19 March 2020 onwards online at ostotarjous.mehilainen.fi, investors.pihlajalinna.fi/public-tender-offer.aspx?sc_lang=en and nordea.fi/equities.

The Finnish Financial Supervisory Authority (the "FFSA") has approved the Finnish language version of this Supplement Document but the FFSA assumes no responsibility for the accuracy of the information presented therein. The decision number of such approval by the FFSA is FIVA 5/02.05.05/2020. The Supplement Document is also available as an English translation. In the event of any discrepancy between the two language versions of the Supplement Document, the Finnish language version shall prevail.

Information to Shareholders in the United States

Shareholders in the United States are advised that the shares in Pihlajalinna are not listed on a U.S. securities exchange and that Pihlajalinna is not subject to the periodic reporting requirements of the U.S. Securities Exchange Act of 1934, as amended (the "Exchange Act"), and is not required to, and does not, file any reports with the U.S. Securities and Exchange Commission (the "SEC") thereunder.

The tender offer will be made for the issued and outstanding shares in Pihlajalinna, which is domiciled in Finland, and is subject to Finnish disclosure and procedural requirements. The tender offer is made in the United States in compliance with Section 14(e) of the Exchange Act and the applicable rules and regulations promulgated thereunder, including Regulation 14E (in each case, subject to any exemptions or relief therefrom, if applicable) and otherwise in accordance with the disclosure and procedural requirements of Finnish law, including with respect to the tender offer timetable, settlement procedures, withdrawal, waiver of conditions and timing of payments, which are different from those of the United States. In particular, the financial information included in the Tender Offer Document and this Supplement Document has been prepared in accordance with applicable accounting standards in Finland, which may not be comparable to the financial statements or financial information of U.S. companies. The tender offer is made to Pihlajalinna's shareholders resident in the United States on the same terms and conditions as those made to all other shareholders of Pihlajalinna to whom an offer is made. Any information documents, including the Tender Offer Document and this Supplement Document, are being disseminated to U.S. shareholders on a basis comparable to the method that such documents are provided to Pihlajalinna's other shareholders.

To the extent permissible under applicable law or regulations, including Rule 14e-5 under the Exchange Act, Mehiläinen and its affiliates or its brokers and its brokers' affiliates (acting as agents for Mehiläinen or its affiliates, as applicable) may from time to time and during the pendency of the tender offer, and other than pursuant to the tender offer and combination, directly or indirectly, purchase or arrange to purchase, the shares in Pihlajalinna or any securities that are convertible into, exchangeable for or exercisable for such shares. These purchases may occur either in the open market at prevailing prices or in private transactions at negotiated prices. To the extent information about such purchases or arrangements to purchase is made public in Finland, such information will be disclosed by means of a press release or other means reasonably calculated to inform U.S. shareholders of Pihlajalinna of such information. In addition, the financial advisers to Mehiläinen may also engage in ordinary course trading activities in securities of Pihlajalinna, which may include purchases or arrangements to purchase such securities. To the extent required in Finland, any information about such purchases will be made public in Finland in the manner required by Finnish law.

Neither the SEC nor any U.S. state securities commission has approved or disapproved the tender offer, passed upon the merits or fairness of the tender offer, or passed any comment upon the adequacy, accuracy or completeness of the disclosure in the Tender Offer Document or this Supplement Document. Any representation to the contrary is a criminal offence in the United States.

The receipt of cash pursuant to the tender offer by a U.S. holder of shares in Pihlajalinna may be a taxable transaction for U.S. federal income tax purposes and under applicable U.S. state and local, as well as foreign and other, tax laws. Each holder of shares in Pihlajalinna is urged to consult its independent professional adviser immediately regarding the tax consequences of accepting the tender offer.

It may be difficult for Pihlajalinna's shareholders to enforce their rights and any claims they may have arising under the U.S. federal securities laws, since Mehiläinen and Pihlajalinna are located in non-U.S. jurisdictions, and some or all of their respective officers and directors may be residents of non-U.S. jurisdictions. Pihlajalinna's shareholders may not be able to sue Mehiläinen or Pihlajalinna or their respective officers or directors in a non-U.S. court for violations of the U.S. federal securities laws. It may be difficult to compel Mehiläinen and Pihlajalinna and their respective affiliates to subject themselves to a U.S. court's judgment.

Information to Shareholders in the United Kingdom

THE TENDER OFFER DOCUMENT, THIS SUPPLEMENT DOCUMENT OR ANY OTHER DOCUMENT OR MATERIALS RELATING TO THE TENDER OFFER IS NOT BEING MADE AND HAVE NOT BEEN APPROVED BY AN AUTHORISED PERSON FOR THE PURPOSES OF SECTION 21 OF THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 (THE "FSMA"). ACCORDINGLY, THE TENDER OFFER DOCUMENT, THIS SUPPLEMENT DOCUMENT OR ANY OTHER DOCUMENT OR MATERIALS RELATING TO THE TENDER OFFER ARE NOT BEING DISTRIBUTED TO, AND MUST NOT BE PASSED ON TO, THE GENERAL PUBLIC IN THE UNITED KINGDOM. THE COMMUNICATION OF THE TENDER OFFER DOCUMENT, THIS SUPPLEMENT DOCUMENT OR ANY OTHER DOCUMENT OR MATERIALS RELATING TO THE TENDER OFFER IS EXEMPT FROM THE RESTRICTION ON FINANCIAL PROMOTIONS UNDER SECTION 21 OF THE FSMA ON THE BASIS THAT IT IS A COMMUNICATION BY OR ON BEHALF OF A BODY CORPORATE WHICH RELATES TO A TRANSACTION TO ACQUIRE DAY TO DAY CONTROL OF THE AFFAIRS OF A BODY CORPORATE; OR TO ACQUIRE 50 PER CENT. OR MORE OF THE VOTING SHARES IN A BODY CORPORATE, WITHIN ARTICLE 62 OF THE FINANCIAL SERVICES AND MARKETS ACT 2000 (FINANCIAL PROMOTION) ORDER 2005.

Forward-looking Statements

This Supplement Document contains statements that, to the extent they are not historical facts, constitute "forward-looking statements". Forward-looking statements include statements concerning plans, expectations, projections, objectives, targets, goals, strategies, future events, future revenues or performance, capital expenditures, financing needs, plans or intentions relating to acquisitions, competitive strengths and weaknesses, plans or goals relating to financial position, future operations and development, business strategy and the trends in the industries and the political and legal environment and other information that is not historical information. In some instances, they can be identified by the use of forward-looking terminology, including the terms "believes", "intends", "may", "will" or "should" or, in each case, their negative or variations on comparable terminology. By their very nature, forward-looking statements involve inherent risks, uncertainties and assumptions, both general and specific, and risks exist that the predictions, forecasts, projections and other forward-looking statements will not be achieved. Given these risks, uncertainties and assumptions, investors are cautioned not to place undue reliance on such forward-looking statements. Any forward-looking statements contained herein speak only as at the date of this Supplement Document.

APPENDIX F – CONSOLIDATED FINANCIAL STATEMENTS OF PIHLAJALINNA FOR THE FINANCIAL PERIOD ENDED ON 31 DECEMBER 2019

oni Aaltonen, CEO of Pihlajalinna
evenue by region
evenue by customer group
consolidated revenue and result
easonal variation
larket and legislation review
consolidated statement of financial position and cash flow
inancing arrangements
cquisitions and capital expenditure
cquisitions of non-controlling interests
hanges in Group structure
esearch and development
ersonnel
.
1anagement Team
loard of Directors
hareholders' Nomination Board
Committees nominated by the Board
emuneration of the members of the Board of Directors
oard authorisations
uditiors and auditing
hares and shareholders
1ehiläinen's cash tender offer for all shares in Pihlajalinna Plc
isk management
lisks and uncertainties in business operations
egment reporting
lagging notifications
current incentive schemes
he Board of Directors' proposal for profit distribution
ihlajalinna's outlook for 2020
Corporate Governance Statement
tatement of non-financial information
vents after the balance sheet date
ey financial figures
hare-related information
warterly information
Calculation of key financial figures and alternative performance
econciliations of alternative performance measures
hares and shareholders
hareholding of the management

.
.
.
.
.
$\sim$ 40
.
.
$\sim$ 41
.
.
.
leasures
.
.
ial Statements
100

Report by the Board of Directors for the financial year 1 Jan–31 Dec 2019

  • Southern Finland includes Pihlajalinna's business operations in the regions of Uusimaa, South West Finland, Päijät-Häme, Kymenlaakso and South Karelia.
  • Mid-Finland includes Pihlajalinna's business operations in the regions of Pirkanmaa, Satakunta, Kanta-Häme, Central.
  • Finland, South Savo, North Karelia and North Savo.
  • Ostrobothnia includes Pihlajalinna's business operations in the regions of Southern Ostrobothnia, Ostrobothnia and Central Ostrobothnia.
  • Northern Finland includes Pihlajalinna's business operations in the regions of North Ostrobothnia, Kainuu and Lapland.

October–December 2019

EUR million 10–12/2019 % 10–12/2018 % change
Southern Finland 31.1 21 29.5 21 1.6
Mid-Finland 82.5 55 79.3 56 3.2
Ostrobothnia 30.0 20 28.6 20 1.4
Northern Finland 3.9 3 3.2 2 0.7
Other operations 1.9 1 2.0 1 -0.1
Intra-Group sales -15.8 -15.7 -0.1
Total consolidated
revenue 133.8 100 127.0 100 6.8

Revenue for Southern Finland for the quarter amounted to EUR 31.1 (29.5) million, an increase of EUR 1.6 million, or 5.5 per cent. Revenue increased in South West Finland and the Helsinki Metropolitan Area as a result of increasing demand and expansion of the Forever fitness centre chain.

Revenue in Mid-Finland amounted to EUR 82.5 (79.3) million, an increase of EUR 3.2 million, or 4.1 per cent. The revenue increased as a result of the acquisition of Terveyspalvelu Verso in Savo, price adjustments implemented in accordance with the service agreements of social and healthcare outsourcing arrangements and sales to insurance companies.

Revenue for Ostrobothnia amounted to EUR 30.0 (28.6) million, an increase of EUR 1.4 million, or 5.0 per cent. The revenue increased mainly due to a price adjustment to the service agreement on the social and healthcare outsourcing of the Kuusiokunnat municipalities.

Revenue in Northern Finland amounted to EUR 3.9 (3.2) million, an increase of EUR 0.7 million, or 22.4 per cent. In particular, increased demand for occupational health services increased the area's revenue.

January–December 2019

EUR million 2019 % 2018 % change
Southern Finland 118.2 20 107.6 20 10.6
Mid-Finland 324.1 56 311.9 57 12.3
Ostrobothnia 115.7 20 108.8 20 6.9
Northern Finland 14.7 3 12.3 2 2.4
Other operations 7.7 1 4.8 1 2.9
Intra-Group sales -61.8 -57.6 -4.2
Total consolidated
revenue 518.6 100 487.8 100 30.8

The full-year revenue for Southern Finland amounted to EUR 118.2 (107.6) million, an increase of EUR 10.6 million, or 9.9 per cent. Revenue increased in South West Finland and the Helsinki Metropolitan Area in particular as a result of increasing demand and expansion of the Forever fitness centre chain. Sales to

insurance companies also increased. The growth in fertility treatments in the Helsinki Metropolitan Area reached 13 per cent during the financial year.

Revenue in Mid-Finland amounted to EUR 324.1 (311.9) million, an increase of EUR 12.3 million, or 3.9 per cent. The acquisition of Terveyspalvelu Verso in Savo, price adjustment of social and healthcare outsourcing and growth in the offering of services for senior citizens in Pirkanmaa as well as increased demand for occupational health services contributed to the increase in the revenue for the area. In addition, the volumes of special needs residential services and sales to insurance companies increased. On the other hand, terminated agreements on health centre outsourcing and reception centre operations decreased the revenue.

Revenue for Ostrobothnia amounted to EUR 115.7 (108.8) million, an increase of EUR 6.9 million, or 6.3%. Revenue for the area was increased by providing residential services for the elderly and mentally disabled in Laihia and price adjustments in accordance with the social and healthcare service agreement. In addition, the expansion of the Forever fitness centre chain to Vaasa increased the volumes in the area.

Revenue in Northern Finland amounted to EUR 14.7 (12.3) million, an increase of EUR 2.4 million, or 19.5 per cent. In particular, increased demand for occupational health services increased the area's revenue.

Revenue by customer group

Pihlajalinna's customer groups are corporate customers, private customers and public sector customers.

  • The Group's corporate customer group consists of Pihlajalinna's occupational healthcare customers, insurance company customers and other corporate contract customers with the exception of public sector occupational healthcare customers.
  • The Group's private customers are private individuals who pay for services themselves and may subsequently seek compensation from their insurance company.
  • The Group's public sector customer group consists of public sector organisations in Finland, such as municipalities, joint municipal authorities, congregations, hospital districts and the public administration when purchasing social and healthcare outsourcing services, residential services, occupational healthcare services and staffing services.

October–December 2019

EUR million 10–12/2019 % 10–12/2018 % change
Corporate customers 32.8 22 29.6 21 3.1
of which insurance
company customers
7.9 5 6.7 5 1.2
Private customers 24.9 17 24.5 17 0.4
Public sector 91.9 61 88.5 62 3.4
Intra-Group sales -15.8 -15.7 -0.1
Total consolidated
revenue
133.8 100 127.0 100 6.8

Revenue from corporate customers amounted to EUR 32.8 (29.6) million, an increase of EUR 3.1 million, or 10.5 per cent.

Joni Aaltonen, CEO of Pihlajalinna:

The revenue for the fourth quarter amounted to EUR 133.8 million, an increase of EUR 6.8 million. Organic revenue growth was 3.1%. The volume and profitability of occupational health services and sales to insurance companies developed favourably during the fourth quarter. Profitability was affected by the costs of public specialised care were concentrated towards the end of the year. Strong investments in ensuring the quality of residential services for senior citizens following stricter requirements imposed by the authorities increased the personnel expenses. Permanent changes in the requirements of the authorities have an impact on Pihlajalinna's agreement prices.

The year 2019 had several phases. The healthcare and social welfare reform ran aground, but the new Government again included it in its government programme. Pihlajalinna has expanded its network of clinics in recent years also with an eye to the healthcare and social welfare reform. With the efficiency improvement programme, we reassessed the network of clinics and also reviewed the resourcing of operations from the point of view of profitability. We closed a few small clinics, but also opened new clinics in provincial centres, such as Rovaniemi and Vaasa, as planned.

Municipalities have clearly become more active, and several negotiations on outsourcing projects have been started. Municipalities' will to make their own social and healthcare service decisions and safeguard their own social and healthcare services became concrete in the partial outsourcing agreement concluded with the city of Kristiinankaupunki in December. The term of the contract is at least 15 years but not more than 20 years. According to the tendering documentation, the value of the agreement is approximately EUR 90 million, not taking index adjustments into account. The service production begins on 1 January 2021.

Pihlajalinna increased its holdings in municipal joint ventures during the fourth quarter, which strengthens the earnings per share. Pihlajalinna now has a holding of 90% in Kuusiolinna Terveys Oy, with the municipalities of Alavus, Ähtäri, Kuortane and Soini having a holding of 10%. Pihlajalinna has a 91% holding in Mäntänvuoren Terveys Oy and the city of Mänttä-Vilppula a holding of 9%. Furthermore, Pihlajalinna agreed on the procurement of three social and healthcare service buildings with the city of Mänttä-Vilppula. Already earlier in the year under review, Pihlajalinna increased its holding in Kolmostien Terveys Oy. Pihlajalinna has a 96% holding in the company, the city of Parkano a 4% holding.

The government's new healthcare and social welfare reform programme has good focal points from the point of view of Pihlajalinna: the key matter is investing in rapid access to care. Pihlajalinna aims at being a partner to the public sector. Therefore, we signed cooperation agreements with the Hospital District of Pirkanmaa and Heart Hospital. The cooperation becomes concrete in a new service for investigating heart-related symptoms, which will begin in February 2020.

The revenue of occupational healthcare increased by more than 25% year-on-year. The increase in the share of fixed-price services and development of operating models improved profitability. The total number of private customers increased to almost 200,000. The growth outlook in occupational healthcare services remains good.

From the point of view of private clinic operations, partnerships with insurance companies developed favourably during 2019. Pihlajalinna signed a cooperation agreement with Pohjola Insurance Ltd in May. Based on the highly successful pilot project, Pohjola Insurance has approved Pihlajalinna as a national service provider for its multi-supplier model. We aim to further strengthen the cooperation with insurance companies and improve Pihlajalinna's market position as a nationwide partner of insurance companies.

During the fourth quarter, Mehiläinen Yhtiöt Oy announced a cash tender offer recommended by the Board of Directors of Pihlajalinna Plc for all shares in Pihlajalinna Plc. Together, these two companies are even better positioned to provide effective healthcare and high-quality residential services and develop a digital service offering.

The merger is currently under review by the Finnish Competition and Consumer Authority. Based on currently available information, the tender offeror expects to obtain the approval of the authorities and complete the tender offer towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020. Even if the merger does not take place, Pihlajalinna is in a good position thanks to its good publicsector references and operating models, well-known private clinics in the provinces and extensive insurance company partnerships.

Revenue by region

Pihlajalinna reports its revenue based on the following geographical regions: Southern Finland, Mid-Finland, Ostrobothnia and Northern Finland.

Sales to insurance company customers increased by EUR 1.2 million, or 18.1 per cent. The revenue for the quarter was increased by the nationwide Stora Enso account, which began on 1 January 2019, and the acquisition of Terveyspalvelu Verso in late 2018.

Revenue from private customers amounted to EUR 24.9 (24.5) million, an increase of EUR 0.4 million, or 1.6 per cent. The expansion of the Forever fitness centre chain increased the revenue from private customers.

Revenue from the public sector amounted to EUR 91.9 (88.5) million, an increase of EUR 3.4 million, or 3.8 per cent. The revenue increased as a result of the price adjustment of social and healthcare outsourcing pursuant to the service agreements and growth in the offering of services for senior citizens. The sales of occupational health services to public sector customers increased following the acquisition of Terveyspalvelu Verso.

January–December 2019

EUR million 2019 % 2018 % change
Corporate customers 122.1 21 106.3 19 15.7
of which insurance
company customers
27.6 5 25.2 5 2.4
Private customers 97.8 17 93.0 17 4.8
Public sector 360.6 62 346.0 63 14.5
Intra-Group sales -6.8 -57.6 -4.2
Total consolidated
revenue 518.6 100 487.8 100 30.8

Revenue from corporate customers amounted to EUR 122.1 (106.3) million, an increase of EUR 15.7 million, or 14.8 per cent. Sales to insurance company customers increased by EUR 2.4 million, or 9.6 per cent. The revenue for the review period was increased by the Stora Enso account, which began on 1 January 2019, the acquisition of Terveyspalvelu Verso in late 2018 and the favourable development of corporate customer accounts, particularly in the Turku region.

Revenue from private customers amounted to EUR 97.8 (93.0) million, an increase of EUR 4.8 million, or 5.1 per cent. Revenue increased mainly following the acquisition and expansion of the Forever fitness centre chain. In addition, sales of the Turku, Oulu and Seinäjoki clinics in particular to private customers developed favourably.

Revenue from the public sector amounted to EUR 360.6 (346.0) million, an increase of EUR 14.5 million, or 4.2 per cent. The revenue increased as a result of Pihlajalinna's responsible doctor services, the price adjustment of social and healthcare outsourcing pursuant to the service agreements, growth in the offering of services for senior citizens as well as the start of residential services provision in Laihia in September 2018.

Revenue by customer group 2019

Revenue by customer group 2018, m€

Consolidated revenue and result

October–December 2019

Pihlajalinna's revenue for the quarter amounted to EUR 133.8 (127.0) million, an increase of EUR 6.8 million, or 5.4 per cent, compared to the corresponding period last year. Organic revenue growth was EUR 3.9 million, or 3.1 per cent. Growth in revenue due to M&A transactions was EUR 2.9 million, or 2.2 per cent. The most significant of the M&A transactions was the acquisition of Terveyspalvelu Verso in late 2018.

EBITDA was EUR 12.3 (14.1) million, a decrease of EUR 1.8 million, or 12.9 per cent. The volume and profitability of occupational health services and sales to insurance companies developed favourably during the fourth quarter. Profitability was affected by the costs of public specialised care were concentrated towards the end of the year. Strong investments in ensuring the quality of residential services for senior citizens following stricter requirements imposed by the authorities increased the personnel expenses. Permanent changes in the requirements of the authorities have an impact on Pihlajalinna's agreement prices.

Adjusted EBITDA was EUR 14.4 (14.6) million, a decrease of EUR 0.1 million, or 0.8 per cent. EBITDA adjustments amounted to EUR 2.1 (0.4) million. The adjustments are associated with contingent assets pursuant to IAS 37 and costs resulting from the implementation of the tender offer.

Depreciation, amortisation and impairment amounted to EUR 8.6 (8.2) million. Depreciation of intangible assets amounted to EUR 1.9 (1.9) million, of which depreciation related to purchase price allocations amounted to EUR 1.1 (1.3) million. Depreciation of property, plant and equipment amounted to EUR 2.1 (1.8) million. For right-of-use assets, depreciation amounted to EUR 4.8 (4.4) million and impairment amounted to EUR -0.2 (0.0) million.

Pihlajalinna's EBIT was EUR 3.7 (5.9) million, a decrease of EUR 2.3 million. Adjusted EBIT amounted to EUR 5.6 (6.5) million, a decrease of EUR 0.9 million. The adjusted EBIT margin was 4.2 (5.1) per cent.

Pihlajalinna's revenue from public specialised care included in the complete outsourcing of social and healthcare services was EUR 22.3 (21.8) million. The EBITDA for public specialised care was EUR 0.6 (2.4) million with an EBIT of EUR 0.6 (2.3) million. The cost accumulation of public specialised care involves random fluctuation. In addition, individual cases falling within the scope of the hospital districts' pooling system for high-cost care, possible variable consideration and operational economy surplus refunds may influence the costs of specialised care considerably during the financial year, and between financial periods, in Pihlajalinna's municipal companies.

The group's net financial expenses amounted to EUR -1.0 (-1.0) million. Profit before taxes amounted to EUR 2.7 (4.9) million, a decrease of EUR 2.3 million. Taxes in the income statement amounted to EUR -0.6 (-1.3) million. The profit was EUR 2.1 (3.6) million. Earnings per share (EPS) was EUR 0.16 (0.11).

January–December 2019

Pihlajalinna's revenue for the financial year amounted to EUR 518.6 (487.8) million, an increase of EUR 30.8 million, or 6.3 per cent. Growth in revenue due to M&A transactions was EUR 17.4 million, or 3.6 per cent. The most significant factors contributing to the growth of revenue as a result of M&A transactions were the acquisition of Terveyspalvelu Verso in late 2018 and the acquisitions of the Forever fitness centre chain and Doctagon healthcare service company in the first quarter of 2018. Organic revenue growth was EUR 13.4 million, or 2.8 per cent.

In June 2019, the group launched an efficiency improvement programme to achieve annual cost savings of approximately EUR 17 million. The reduction in costs for the past financial year achieved through the efficiency improvement programme are estimated to be approximately EUR 5 million. A non-recurring expense and impairment totalling EUR 7.4 million was recognised in relation to the efficiency improvement programme and reported as an adjustment item affecting comparability.

EBITDA was EUR 47.8 (44.8) million, an increase of EUR 3.0 million, or 6.7%. EBITDA was affected by a non-recurring expense of EUR 4.2 million recorded due to the efficiency improvement programme, consisting of a restructuring provision of EUR 2.4 million and a provision of EUR 1.8 million concerning onerous contracts.

requirements of the authorities have an impact on Pihlajalinna's agreement prices. Moreover, challenges in dental care and terminated agreements on health centre outsourcing and reception centre operations burdened the profitability for the financial year.

Depreciation, amortisation and impairment amounted to EUR 37.7 (31.6) million, an increase of EUR 6.1 million. Depreciation of intangible assets amounted to EUR 7.4 (7.1) million, of which depreciation related to purchase price allocations amounted to EUR 4.6 (5.1) million. Depreciation of property, plant and equipment amounted to EUR 7.7 (7.5) million. For right-of-use assets, depreciation amounted to EUR 19.3 (17.0) million and impairment amounted to EUR 3.2 (0.0) million.

Pihlajalinna's EBIT was EUR 10.2 (13.2) million, a decrease of EUR 3.0 million. EBIT was weighed down by non-recurring expenses amounting to EUR 7.4 million recognised in relation to the efficiency improvement programme and reported as an adjustment item affecting comparability. Adjusted EBIT amounted to EUR 20.8 (14.4) million, an increase of EUR 6.4 million. The adjusted EBIT margin was 4.0 (3.0) per cent.

Adjusted EBITDA was EUR 55.1 (45.9) million, an increase of EUR 9.2 million, or 20.1%. EBITDA adjustments amounted to EUR 7.3 (1.1) million. The volume and profitability of occupational health services and sales to insurance companies developed in line with the objectives during the fourth quarter. Profitability was burdened by primary care and social care services in the complete outsourcing of social and healthcare services. Strong investments in ensuring the quality of residential services for senior citizens following stricter requirements imposed by the authorities increased the personnel expenses. Permanent changes in the Market and legislative review The Finnish social and healthcare service field is currently in a waiting state. The healthcare and social welfare reform is included in the Government programme, but municipalities taking initiative, for example, indicates that not everyone has faith in the completion of the reform during this government term any more.

Pihlajalinna's revenue from public specialised care included in the complete outsourcing of social and healthcare services was EUR 88.2 (86.4) million. The EBITDA for public specialised care was EUR 3.8 (2.5) million with an EBIT of EUR 3.5 (2.2) million. The cost accumulation of public specialised care involves random fluctuation. In addition, individual cases falling within the scope of the hospital districts' pooling system for high-cost care, possible variable consideration and operational economy surplus refunds may influence the costs of specialised care considerably during the financial year, and between financial periods, in Pihlajalinna's municipal companies.

The group's net financial expenses amounted to EUR -3.9 (-3.8) million. Profit before taxes amounted to EUR 6.3 (9.5) million. Taxes in the income statement amounted to EUR -1.8 (-2.7) million. The profit was EUR 4.5 (6.8) million. Earnings per share (EPS) was EUR 0.15 (0.16).

Seasonal variation

Pihlajalinna's business operations are to a certain extent influenced by seasonal fluctuations. Pihlajalinna's complete outsourcing for social and healthcare services and other fixed-price invoicing is accompanied by a steady period of recognition of revenue as income. During the summer holidays, especially in July, staff costs related to such agreements are reduced and profitability improves mainly due to wage accruals. On the other hand, service demand by Pihlajalinna's private and corporate customers is lower and profitability is weaker during holiday seasons, especially in July, August and December. At the quarterly level, seasonal fluctuations have historically had a positive effect on profitability for the third quarter of the year.

BUSINESS AND RESPONSIBILITY

PARTNERSHIP REPORT BY THE

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

In October 2019, the government issued additional information about the planned healthcare and social welfare reform. The objectives of the reform will be to reduce inequalities in health and wellbeing, safeguard equal and quality health and social services for all and improve the availability and accessibility of services, especially at the basic level. Further objectives are to ensure the availability of skilled labour, respond to the challenges of changes in society and curb the growth of costs.

The structural reform of health and social services will be based on 18 counties and five collaboration areas. The counties will be responsible for organising health and social services as well as rescue services. The structural reforms are based on the desire to ensure equal availability of services throughout Finland.

The focus of the healthcare and social welfare system will be shifted towards basic-level services and prevention to reduce the need for specialised care and demanding special services. Counties will mainly organise social and healthcare services as public services, with the private and third sectors serving as supplementary service providers.

Pihlajalinna's view is that partnerships between the public sector and private corporations are a good solution for satisfying the growing demand. During the past decade, services provided by private operators have increased strongly in care services and specialised care services. In specialised care, for example, private service providers' production increased by 15.3 per cent annually in 2014−2017. This development has taken place without government guidance or decisions. There are major regional differences in access to specialised care. A private service provider can significantly increase the speed of access to care, as every Finn has the right to quality services and high service availability.

More than 50 per cent of municipal revenue is spent on social and healthcare services and two out of three Finnish municipalities reported a deficit in 2018. The population is ageing rapidly and the proportion of over 75-year-olds is set to grow by more than 50 per cent by 2030. The annual margins of Pihlajalinna's partner municipalities have developed very favourably under joint venture structures compared to their peer municipalities. According to the most recent population forecast by Statistics Finland, 15 years from now there will be no counties in Finland where the birth rate exceeds the death rate if the birth rate were to remain at the current level. This presents challenges related to the organisation of social and healthcare services.

Activity has increased among municipalities, as they do not want to just wait for a potential reform but to ensure social and healthcare services and jobs. Several municipalities have commenced talks about outsourcings. The most recently announced were the plan of the municipalities in the Päijät-Häme district to outsource their health centre operations with a joint venture model.

The private market situation remains the same and the amount of health insurance policies continues to grow. The private occupational healthcare market is expected to grow as many municipalities and other public sector entities are interested in divesting the occupational healthcare providers they currently own.

Consolidated statement of financial position and cash flow

At the end of the review period, Pihlajalinna Group's total statement of financial position amounted to EUR 438.4 (436.8) million. Consolidated cash and cash equivalents amounted to EUR 27.0 (36.3) million.

Net cash flow from operating activities in the quarter amounted to EUR 19.8 (24.2) million. Taxes paid amounted to EUR -1.1 (-1.6) million. The change in net working capital was EUR 8.6 (11.5) million.

The net cash flow from operating activities during the financial year amounted to EUR 36.8 (41.2) million. Taxes paid amounted to EUR -4.7 (-5.5) million. The change in net working capital was EUR -6.2 (1.6) million.

Net cash flow from investing activities totalled EUR -19.5 (-60.1) million for the financial year. Acquired business operations had an impact of EUR -4.9 (-40.9) million on net cash flow from investing activities. Investments in property, plant and equipment and intangible assets totalled EUR -15.4 (-19.6) million, and proceeds from the disposals of property, plant and equipment totalled EUR 0.8 (0.4) million.

The group's cash flow after investments (free cash flow) was EUR 17.4 (-18.8) million.

Net cash flow from financing activities during the financial year totalled EUR -26.7 (18.1) million. The change in financial liabilities, including changes in credit limits, amounted to EUR 7.7 (49.4) million. Payments for financial lease liabilities amounted to EUR -22.7 (-16.3) million, and interest paid and other financial expenses amounted to EUR -3.8 (-3.5) million. The net effect of the change in non-controlling interests on cash flow was EUR -1.3 (-6.4) million. In April 2019, Pihlajalinna Plc paid a total of EUR 2.3 (3.6) million in dividends. A total of EUR 4.4 (1.4) million in dividends was paid to non-controlling interests.

The Group's gearing was 181.7 (136.6) per cent. Interestbearing net debt amounted to EUR 192.7 (178.0) million. The Group paid EUR 1.5 (4.0) million in contingent considerations (earnout payments) during the financial year.

Return on capital employed was 2.9 (4.6) per cent and return on equity was 3.8 (5.7) per cent.

Financing arrangements

Pihlajalinna has a five-year EUR 120 million unsecured financing arrangement with Danske Bank and Nordea. The arrangement comprises a EUR 50 million revolving credit facility and a long-term bullet loan of EUR 70 million. It also includes an opportunity to increase the total amount by EUR 60 million (to EUR 180 million), subject to separate decisions on a supplementary loan from the funding providers.

The financing arrangement includes the customary financial covenants concerning leverage (ratio of net debt to pro forma EBITDA) and gearing. The adoption of IFRS 16 does not affect the calculation of financial covenants. The calculation of covenants will continue with the creditor banks in accordance with the accounting principles confirmed in the original financing arrangement (frozen GAAP). The group met the set covenants on 31 December 2019.

The group has credit limit agreements valid until further notice, totalling EUR 10 million. The notice period of the credit of Mehiläinen Yhtiöt Oy materialises, the provision on change of control in Pihlajalinna's financing arrangements will apply. According to the provision, the funding providers are entitled to terminate the financing arrangement prematurely following a material change of control. After the announcement of the final result of the tender offer, Pihlajalinna and the funding providers have 30 business days to agree on the impacts of the change of control on the financing arrangement.

Acquisitions and capital expenditure

Acquired entity Month of
acquisition Industry
Domicile
Klaari Oy (Fit1 fitness
centre chain) and its
subsidiaries Fit1 Fitness
club Länsi-Suomi Oy,
100% of the share capital
February
2019
Fitness
centres
Espoo,
Vaasa
Dalmed Oy,
100% of the share capital
April 2019 Occupational
healthcare
services
Kemiö
Kouvolan Työterveys ry
(business operations)
June 2019 Occupational
healthcare
services
Kouvola
Aurinkoristeys, i.e. the
occupational healthcare
units of the town of Raisio
(business operations)
September
2019
Occupational
healthcare
services
Raisio,
Naantali

limit agreements is one month. At the end of the review period, Pihlajalinna had a total of EUR 29.5 million in unused committed credit limits. When the voluntary recommended public cash tender offer Pihlajalinna constructed a new assisted living facility for senior citizens in Laihia, under a subletting model, with capacity for 60 residents. The facility was commissioned at the end of October 2019. Pihlajalinna also acquired an assisted living facility from the municipality of Laihia in October. During the financial year, Pihlajalinna also renovated two smaller care homes that it acquired previously. The total value of the deal was approximately EUR 8.4 million.

Pihlajalinna's holding,
31 December 2018
Pihlajalinna's holding,
31 December 2019
First year of service production
under the current contract
Duration of contract (years)
90 % 90 % internal service provision internal service provision
51 % 51 % 2015 10
51 % 90 % 2016 15
81 % 91 % 2016 15
81 % 96 % 2015 15
81 % 81 % 2018 service voucher

Gross investments, including acquisitions, amounted to EUR 44.1 (160.0) million. The Group's gross investments in property, plant and equipment and intangible assets, which consisted of development investments, additional investments and replacement investments required for growth, amounted to EUR 12.6 (13.1) million during the financial year. Gross investments in connection with the opening of new units amounted to EUR 9.4 (9.3) million. Gross investments in relation to M&A transactions amounted to EUR 3.8 (79.3) million. Gross investments in rightof-use assets amounted to EUR 18.4 (58.4) million. which Pihlajalinna paid a total of EUR 16.3 million for the shares. Following the share transactions in Kuusiolinna Terveys, Pihlajalinna holds 91% of Kuusiolinna Terveys Oy while the holding of the City of Mänttä-Vilppula is 9%. The shareholder and service agreements of Mäntänvuoren Terveys Oy remain unchanged. Pihlajalinna paid EUR 2 million to the City of Mänttä-Vilppula for the shares. In February 2019, the City of Parkano sold 15 per cent of its shareholdings in Kolmostien Terveys to Pihlajalinna. Pihlajalinna paid EUR 1.2 million to the City of Parkano for the shares.

Investment commitments for the group's development, additional and replacement investments amounted to approximately EUR 0.5 million. The investment commitments are related to IT system development projects and replacement investments in clinical equipment.

At the end of the financial year, Pihlajalinna agreed on the procurement of three social and healthcare service buildings with Mänttä-Vilppula. The transaction will be completed by 31 December 2020. The total value of the deal is estimated at EUR 4–7 million, depending on the development plan of the buildings.

Acquisitions of non-controlling interests

At the end of the financial year, Pihlajalinna increased its holding in Kuusiolinna Terveys, a joint venture with the municipalities of Alavus, Ähtäri, Kuortane and Soini, and in Mäntänvuoren Terveys Oy, a joint venture with the city of Mänttä-Vilppula.

Following the share transactions in Kuusiolinna Terveys, Pihlajalinna holds 90% of Kuusiolinna Terveys Oy while the municipalities' holding is 10%. The shareholder and service agreements of Kuusiolinna Terveys Oy remain unchanged. Transactions were made with the municipalities of Alavus, Ähtäri and Soini, to

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

Changes in Group structure

The following changes in group structure were implemented during the financial year:

Research and development

Development costs that fulfilled the criteria for capitalisation amounted to EUR 0.5 (1.3) million during the financial year.

In the financial year 2019, development operations focused on a remote service model for municipal residents for use in social and healthcare outsourcing and mobile solutions, operating model for fixed-price occupational healthcare agreements (occupational healthcare portal) and sports clinic and social and healthcare centre concepts.

Personnel

At the end of the financial year, the number of personnel was 5,815 (5,850), a decrease of 35 persons or one per cent. The Group's personnel averaged 4,515 (4,618) persons as full-time equivalents, a decrease of 103 persons or 2 per cent. The Group's employee benefit expenses totaled EUR 222.0 (208.4) million, an increase of EUR 13.6 million or 6 per cent.

The number of Pihlajalinna personnel increased by approximately 150 due to the expansion of operations during the financial year. On 15 August 2019, Pihlajalinna announced that the co-operation negotiations that commenced in June had been completed. The negotiations resulted in the termination of some 180 positions, mainly through dismissals. Some of these redundancies took the form of retirement and other staffing reductions not offset through reorganising operations.

Management Team

At its meeting on 14 August 2019, Pihlajalinna Plc's Board of Directors appointed a new Management Team as part of the company's efficiency improvement programme. CEO Joni Aaltonen serves as the Chairman of the Management Team. The Management Team also includes COO Teija Kulmala, CFO Tarja Rantala, General Counsel Marko Savolainen, Head of Human Resources Elina Heliö and Head of Service Development and CIO Sanna Määttänen.

The management team positions of the following persons were discontinued on 15 August 2019: Minna Elomaa (Head of Business Operations, Southern Finland), Tero Järvinen (Head of Business Operations, Ostrobothnia), Ville Lehtonen (CFO), Stefan Wentjärvi (Head of Sales, Head of Business Operations,

Northern Finland) and Pauli Waroma (Head of Marketing and Communications).

Board of Directors

The Annual General Meeting on 4 April 2019 confirmed the number of the members of the Board of Directors as seven. Leena Niemistö, Kati Sulin, Seija Turunen and Mikko Wirén were re-elected and Matti Jaakola, Hannu Juvonen and Mika Manninen were elected as new members of the Board of Directors for a term of office ending at the conclusion of the next Annual General Meeting.

The Annual General Meeting elected Mikko Wirén as the Chairman of the Board and Leena Niemistö as the Vice-Chairman.

Shareholders' Nomination Board

The Shareholders' Nomination Board is comprised of the following representatives:

  • Jari Eklund, Group Director and Board member, LocalTapiola General Mutual Insurance Company and LocalTapiola Mutual Life Insurance Company (Chairman)
  • Mikko Wirén, Managing Director, MWW Yhtiö Oy
  • Antti Kuljukka, CEO, Fennia Mutual Insurance Company
  • Hanna Hiidenpalo, Director, Chief Investment Officer, Elo Mutual Pension Insurance Company

Committees nominated by the Board

At its organising meeting on 4 April 2019, Pihlajalinna Plc's Board of Directors elected the following members to its committees:

Audit Committee: Seija Turunen (chairman), Matti Jaakola, Mika Manninen and Hannu Juvonen Remuneration Committee: Mikko Wirén (chairman), Leena Niemistö and Kati Sulin

Remuneration of the members of the Board of Directors

The Annual General Meeting held on 4 April 2019 decided that the remuneration of the Board of Directors be kept unchanged, except for a reduction in the remuneration of the Vice-Chairman, and that the following annual remuneration be paid to the members of the Board of Directors to be elected at the General Meeting for the term of office ending at the close of the Annual General Meeting 2020: to the full-time Chairman of the Board of Directors EUR 250,000 per year, to the Vice-Chairman EUR 36,000 per year, and to the other members of the Board of Directors EUR 24,000 per year.

In addition, the AGM decided that each Board member shall be paid a meeting fee of EUR 500 for each Board and Committee meeting. Reasonable travel expenses will also be reimbursed to the members of the Board in accordance with the company's travel policy.

Board authorisations

The Annual General Meeting on 4 April 2019 authorised the Board of Directors to decide on the acquisition of a maximum of 2,061,314 shares, which is approximately 9 per cent of the group's current share volume. Under this authorisation, the acquisition of the group's own shares is only permitted using unrestricted equity. Targeted share acquisition is possible. The authorisation is effective until the next Annual General Meeting, or until 30 June 2020 at the latest.

The Annual General Meeting also authorised the Board of Directors to decide on a share issue and other special rights conferring an entitlement to shares under Chapter 10, Section 1 of the Limited Liability Companies Act. The amount of shares to be issued cannot exceed 3,091,971 shares, which corresponds to approximately 14 per cent of all the shares in the group. The authorisation concerns both the issuance of new shares and the sale or transfer of the group's own shares. The authorisation permits a targeted share issue. The authorisation is effective until the next Annual General Meeting, or until 30 June 2020 at the latest.

Auditors and auditing

At Pihlajalinna's Annual General Meeting held on 4 April 2019, KPMG Oy Ab, a firm of authorised public accountants was elected as the company's auditor for the financial year 1 January–31 December 2019. Lotta Nurminen, APA, is the principal auditor.

Shares and shareholders

At the end of the financial period, Pihlajalinna Plc's share capital entered in the Trade Register amounted to EUR 80,000 and the total number of shares outstanding was 22,620,135. The company has one share series, with each share entitling its holder to one vote at the Annual General Meeting. All shares bestow their holders with equal rights to dividends and other distribution of the company's assets. At the end of the financial year, the company had 11,752 (13,372) shareholders. The company does not hold any treasury shares. A list of the largest shareholders is available on the company's investor website at investors.pihlajalinna.fi.

The trading code for the shares on the Nasdaq Helsinki main market is PIHLIS. Pihlajalinna Plc has been classified as a Mid Cap company in the Healthcare sector.

Share-related
information
10–12/2019 10–12/2018 2019 2018
No. of shares
outstanding at
the end of the
period
22,620,135 22,620,135 22,620,135 22,620,135
Average no.
of shares
outstanding
during the
period
22,620,135 22,620,135 22,620,135 22,224,236
Highest price,
EUR
15.88 11.06 15.88 15.28
Lowest price,
EUR
10.40 8.56 8.70 8.56
Average price,
EUR*
14.68 9.56 12.77 12.18
Closing price,
EUR
15.28 8.62 15.28 8.62
Share turnover,
1,000 shares
2,127 830 4,062 6,182
Share
turnover, %
9.4 3.7 18.0 27.8
Market cap
italisation at
the end of the
period, EUR
million
345.6 195.0 345.6 195.0

* average share price weighted by trading volume

Mehiläinen's cash tender offer for all shares in Pihlajalinna Plc

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc entered into a combination agreement, pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna.

In the tender offer, Pihlajalinna's shareholders are offered a cash consideration of EUR 16.00 for each issued and outstanding share in Pihlajalinna. The consideration includes a premium of approximately 46.0 per cent compared to the closing price of the Pihlajalinna share on the official list of Nasdaq Helsinki on 4 November 2019. The non-conflicted members of the Board of Directors of Pihlajalinna unanimously decided to recommend that the shareholders of Pihlajalinna accept the tender offer.

The Finnish Financial Supervisory Authority approved the tender offer document on 8 January 2020. The offer period commenced on 9 January 2020 at 9:30 a.m. (Finnish time) and it will expire on 19 March 2020 at 4:00 p.m. (Finnish time) at the earliest, unless extended or discontinued in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws and regulations. Currently, the tender offer is expected to be completed towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible.

Risk management

In its risk management, Pihlajalinna's aim is to operate as systematically as possible and incorporate risk management in normal business processes. Furthermore, the group invests in quality management systems and the management of occupational safety and health risks. Pihlajalinna's Risk Management Policy defines and categorises the group's risks and

Merged company Target company Month of acquisition
Pihlajalinna Tampere Oy Pihlajalinna Lääkärikeskukset Oy 1 January 2019
Doctagon Ab Pihlajalinna Terveys Oy 1 January 2019
Anula Oy Linnan Klinikka Oy 1 January 2019
Hammaslääkäripalvelu Savodent Oy, HammasPirta Oy, Paimion
Hammaslääkäripalvelu Oy and Salon Hammas-lääkärikeskus Oy
Tampereen Hammaspiste Oy
(currently Pihlajalinna Hammasklinikat Oy)
1 January 2019
Hammaslääkärikeskus Mandibula Oy Mandibula Raisio Oy 28 February 2019
Mandibula Raisio Oy Pihlajalinna Hammasklinikat Oy 1 March 2019
Pihlajalinna Kymijoki Oy Pihlajalinna Lääkärikeskukset Oy 3 June 2019
Ala-Malmin Hammaslääkärit Oy, Salon Lääkintälaboratorio Oy and
Someron Lääkäriasema Oy
Pihlajalinna Lääkärikeskukset Oy 1 September 2019
Pihlajalinna Oulu Oy Pihlajalinna Madetojanpuisto Oy
(currently Pihlajalinna Oulu Oy)
1 September 2019
Etelä-Pohjanmaan Sydäntutkimuspalvelu Oy Kompassi Lääkärikeskus Oy 1 September 2019
Pihlajalinna Parainen Oy Pihlajalinna Turku Oy 3 September 2019
Fit1 Fitnessclub LänsiSuomi Oy Klaari Oy 30 November 2019
Dalmed Oy Pihlajalinna Turku Oy 31 December 2019

STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

describes the goals of risk management. In addition, it defines risk management principles, operating methods and responsibilities.

Internal risk reporting is included in the regular business reporting as well as in business planning and decision-making. The material risks and their management are reported to stakeholders regularly and, when necessary, on a case-by-case basis.

The Group employs an Enterprise Risk Management system and process. Risks are categorised into strategic, operational, financial and damage risks.

Strategic risks refers to uncertainty related to the implementation of the Group's short-term and long-term strategy. An example is structural changes in society.

Operational risks are risks that are caused by external factors, technology, actions of employees, the operations of the organisation or the functionality of processes. These risks are managed by, for instance, monitoring the competitive situation systematically and reacting to its changes.

Financial risks refers to risks that are related to the Group's financial position, such as profitability, the functionality of financing processes and taxation.

Damage risks are related to accidents or other damage that may occur to the Group's assets, personnel, customers, stakeholders or environment. The company has liability and patient insurance to cover potential malpractice caused by the company's own personnel.

A factor that links all risk categories together is the reputational risk that may affect the reputation of the Group's brands or the entire Group.

The goal of Pihlajalinna's risk management is to promote the achievement the Group's strategic and operational targets, shareholder value, the Group's operational profitability and the realisation of responsible operating methods. Risk management seeks to ensure that the risks affecting the company's business operations are known, assessed and monitored.

The Group and operative management are responsible for risk management according to reporting responsibilities. In addition, risk management specialists guide and develop the group's risk management. Everyone working at Pihlajalinna must also know and manage risks related to their responsibilities.

Risks and uncertainties in business operations

The most essential risks and uncertainties affecting the group's operations are connected to the complete outsourcing agreements on social and healthcare service, material amendments to legislation, opening new locations, success in acquisitions and information system projects, tax-related risks and the commitment and recruitment of competent management.

A tax audit of the group's main companies, which began in spring 2017, was completed with regard to income taxation (the Act on the Taxation of Business Profits and Income from Professional Activity) and value added taxes (Value Added Tax Act) without notable sanctions. For withholding taxes (Tax Prepayment Act), the audit reports are still pending approval by the Tax Office for Major Corporations. No material consequences are expected.

Determining the annual profitability of the group's complete social and healthcare services outsourcing agreements may become accurate with a delay. The group may not always be aware of the actual costs of the agreements at the time of preparing the financial statements, and the agreements may involve variable consideration. The cost accumulation of public specialised care involves random fluctuation. In addition, individual cases falling within the scope of the hospital districts' pooling system for high-cost care and operational economy surplus refunds may influence the costs of specialised care considerably during the financial year, and between financial periods, in Pihlajalinna's municipal companies.

Possible items that may, according to the management's estimate, influence the profitability of complete outsourcing agreements with a delay:

The City of Jämsä has taken legal action against Jämsän Terveys Oy over the service agreement. The dispute concerns the provision on price adjustments pursuant to the service agreement. The difference of opinion regarding the determination of the annual price totalled approximately EUR 1.8 million at the time of the financial statements. Moreover, the balance sheet of Jämsän Terveys Oy includes other receivables amounting to a total of EUR 3.1 million from the City of Jämsä, associated with the increased costs of specialised care and increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full.

Kuusiolinna Terveys Oy has trade and other receivables totalling EUR 4.5 million from a client. The protocol on interpretation signed with the municipalities of Alavus, Ähtäri and Soini in conjunction with the share transactions also agreed on the charging principles of the variable consideration. The outstanding receivables are associated with increased regulatory requirements for services for senior citizens, costs of specialised care and the calculation of net expenditure. A share transaction has not yet been completed with Kuortane, and no corresponding protocol on interpretation has been signed. According to the management's estimate, the client will pay the receivables in full, as the majority of the client's shareholders have agreed on the charging principles.

Mäntänvuoren Terveys Oy has trade and other receivables totalling EUR 1.2 million from a client. The receivables are associated with increased regulatory requirements for services for senior citizens and the calculation of net expenditure pursuant to the previous agreement. A social and healthcare service property transaction that will be completed in 2020 has been agreed upon with the client. According to the management's estimate, the customer will pay the receivables in full in conjunction with the completion of the property transaction.

Kolmostien Terveys Oy has trade and other receivables of EUR 0.4 million from a client relating to the increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full.

On the date of the financial statements, the Group's receivables include a total of EUR 1.6 million (EUR 2.8 million at the end of 2018) in service provider refunds for public sector specialised care cost accruals, estimated on a municipality-specific basis. According to the group management's view, under the service agreements, the refunds of cost accruals are payable to Pihlajalinna because they were accumulated during Pihlajalinna's service provision and liability for costs. In addition, the group has a total of EUR 0.2 million of overdue receivables from Kihniö and Juupajoki.

Goodwill impairment:

At the end of the financial year, goodwill on Pihlajalinna's statement of financial position amounted to EUR 173.6 (169.9) million. Pihlajalinna checks annually and, if necessary, quarterly, that the carrying amount of goodwill does not exceed the fair value. During the financial year, Pihlajalinna observed no indications of the carrying amount of goodwill being greater than its estimated recoverable amount. If negative changes were to occur in the development of Pihlajalinna's profit and growth, this could lead to an impairment of goodwill. This could have an unfavourable impact on Pihlajalinna's operating result and equity.

Segment reporting

Pihlajalinna reformed its management system and the structure of its Management Team as part of its efficiency improvement programme. In conjunction with the reform, some of the Management Team positions were discontinued. In addition, the company also established an operations management team as a new management team level directed by the COO Teija Kulmala. The changes took effect on 15 August 2019.

Pihlajalinna's previous operating structure had four geographical business areas: Mid-Finland, Southern Finland, Ostrobothnia and Northern Finland. Each business area was managed by a Head of Business Operations responsible for its performance, who is in charge of their area's business operations and service offering for both the private and the public sector. In the revised operating structure, COO Teija Kulmala is in charge of the profitability and resources of business operations and the Group has one operating segment.

Flagging notifications

During the financial year, Pihlajalinna did not receive any flagging notifications under Chapter 9, section 5 of the Securities Markets Act:

Current incentive schemes

At its meeting on 14 February 2019, the Board of Directors approved the terms of a share-based long-term incentive programme for Pihlajalinna Group's senior management (LTI 2019). The incentive programme is effective from 1 January 2019 onwards and it is aimed at the CEO, the Management Team and other key employees selected for inclusion in the programme. In the initial stage, 25 key employees were selected for the programme. LTI 2019 includes an overall five-year plan period and none of the share rewards received by the key employees thereunder may be sold or transferred prior to the year 2022. The key employee shall, in addition, make an investment in Pihlajalinna shares as a precondition for participation in the programme. At the end of the investment period, i.e. 2019, 23 key employees fulfilled the minimum investment requirement of the scheme.

The fixed matching share plan includes a commitment period from the beginning of 2019 until the payment of the fixed matching share incentive in 2020. In this scheme, the company matches each participant's share investments with additional shares at a fixed rate. The additional shares will be delivered in 2020, and they are subject to a transfer restriction.

The performance- and quality-based matching share plan includes three one-year performance periods (the calendar years 2019–2021), during which the participants can earn

performance-based additional shares, provided that the company reaches the performance objectives set by the Board of Directors. Based on each individual performance period, the participant can earn a maximum of two additional shares for three shares invested without consideration (gross before the deduction of the applicable payroll tax). The performance-based share rewards will be delivered after the respective performance periods in springs 2020, 2021 and 2022. These matching shares will be subject to a two-year transfer restriction.

The performance criteria applied to the performance- and quality-based matching share plan for the first performance period 2019 were the adjusted EBIT of Pihlajalinna Group and key operative and qualitative indicators. No performance- and quality-based share rewards materialised for the performance period 2019 pursuant to the matching share plan, as the minimum objectives set for the programme were not achieved.

The LTI 2019 plan includes terms and conditions relating to change in control. According to them, the cash tender offer announced by Mehiläinen for all of the shares in Pihlajalinna on 5 November 2019 will result in the payment of the fixed matching share plan in full if the transaction is completed. The transfer restriction of the shares expires immediately when the outcome of the tender offer is announced in the execution of the tender offer.

The terms and conditions of the incentive scheme include special provisions for any change of control. Based on Mehiläinen's public tender offer, the above-mentioned provisions on change of control apply.

According to the fixed matching share plan, a total of 108,000 matching shares fall due to the 23 key employees who met the investment requirement if the change in control takes place. The fair value of the matching shares is EUR 1.7 million in accordance with the cash tender offer. An expense of EUR 0.3 million has been allocated to the financial year 2019 due to the share-based reward paid due to the change in control.

The Board of Directors' proposal for profit distribution

The Board of Directors proposes that no dividend be paid for the financial year that ended on 31 December 2019 due to the tender offer made by Mehiläinen. Should the tender offer lapse, the Board of Directors will re-evaluate the matter.

Calculation of the parent company's distributable funds:

EUR 31 December 2019
Reserve for invested unrestricted equity 183,190,483.50
Retained earnings 21,915,498.62
Profit for the period 2,328,952.90
Capitalised development costs -1,017,078.36
Total 206,417,856.66

Pihlajalinna Plc's Annual General Meeting is scheduled for Wednesday, 15 April 2020 in Tampere, Finland. The Board of Directors will decide on the notice of the General Meeting and the included proposals at a later date.

The annual report for 2019, including the Board of Directors' report and the financial statements, was published on the company's investor website at investors.pihlajalinna.fi in week 12.

STRATEGY PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

BOARD OF DIRECTORS

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

Pihlajalinna's outlook for 2020

Pihlajalinna's consolidated revenue for 2020 is expected to increase from the 2019 level. Adjusted EBIT is expected to increase compared to 2019.

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc entered into a combination agreement, pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna. The offer period commenced on 9 January 2020. In the tender offer, Pihlajalinna's shareholders are offered a cash consideration of EUR 16.00 for each outstanding share in Pihlajalinna. Currently, the tender offer is expected to be completed towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020.

Corporate Governance Statement

Pihlajalinna published its Corporate Governance Statement separately on the company's investor website at investors. pihlajalinna.fi at the same time as the Board of Directors' report during week 12. Up-to-date information about compliance with and deviations from the Corporate Governance Code is maintained on the investor site at investors.pihlajalinna.fi.

Statement of non-financial information

Pihlajalinna published its statement of non-financial information separately on the company's investor website at investors. pihlajalinna.fi at the same time as the Board of Directors' report during week 12.

Events after the balance sheet date

Mehiläinen Yhtiöt Oy launched a cash tender offer recommended by the Board of Directors of Pihlajalinna Plc for all shares in Pihlajalinna Plc on 9 January 2020

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc announced that they had entered into a combination agreement pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna.

The Finnish Financial Supervisory Authority approved the tender offer document on 8 January 2020. The acceptance period for the tender offer, or the offer period, commenced on 9 January 2020 at 9:30 a.m. (Finnish time) and it will expire on 19 March 2020 at 4:00 p.m. (Finnish time) at the earliest, unless extended or discontinued in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws and regulations. Currently, the tender offer is expected to be completed towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020. The offeror will extend the offer period in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws in order to satisfy the closing conditions, including obtaining merger control clearance. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible.

The tender offer document has been available in Finnish as of 9 January 2020 at the head office of Mehiläinen, address Pohjoinen Hesperiankatu 17 C, 6th floor, 00260 Helsinki, Finland, Nordea Bank Plc's head office, address Satamaradankatu 5, 00020 Nordea, Finland, and at Nasdaq Helsinki, address Fabianinkatu 14, 00130 Helsinki, Finland. An electronic version of the tender offer document has been available in Finnish as of 9 January 2020 on

the internet at ostotarjous.mehilainen.fi, investors.pihlajalinna.fi/ public-tender-offer and at nordea.fi/osakkeet, and in English as of 9 January 2020 at ostotarjous.mehilainen.fi, investors.pihlajalinna. fi/public-tender-offer.aspx?sc_lang=en and nordea.fi/equities.

Statement of the Board of Directors of Pihlajalinna Plc on the voluntary public cash tender offer of Mehiläinen Yhtiöt Oy The Board of Directors of Pihlajalinna issued a statement on the tender offer as required by chapter 11, section 13 of the Finnish Securities Markets Act (746/2012, as amended) on 3 January 2020.

Tender offer in brief

The cash consideration offered is EUR 16.00 for each share in Pihlajalinna. The consideration includes a premium of approximately

  • 46 per cent compared to the closing price of the Pihlajalinna share on the official list of Nasdaq Helsinki Ltd (hereinafter referred to as "Nasdaq Helsinki") on 4 November 2019, being the last trading day before the announcement of the Tender Offer;
  • 50.1 per cent compared to the volume-weighted average trading price of the Pihlajalinna share on the official list of Nasdaq Helsinki during the 3 months immediately preceding the announcement of the Tender Offer; and
  • 52.7 per cent compared to the volume-weighted average trading price of the Pihlajalinna share on Nasdaq Helsinki during the 12 months immediately preceding the announcement of the Tender Offer.

The consideration offered is subject to the terms and conditions of the tender offer. According to the terms and conditions of the tender offer, should the number of issued and outstanding shares in Pihlajalinna change as a result of a share issue, reclassification, stock split or any other similar transaction with dilutive effect, or should Pihlajalinna distribute a dividend or otherwise distribute funds or any other assets to its shareholders, or should a record date with respect to any of the foregoing occur prior to the completion of the tender offer, the offered consideration will be reduced accordingly on a euro-for-euro basis.

It is the intention of Mehiläinen, subject to Mehiläinen acquiring more than ninety per cent (90%) of the issued and outstanding shares and voting rights in Pihlajalinna, to initiate mandatory redemption proceedings in accordance with the Finnish Limited Liability Companies Act (624/2006, as amended) to acquire the remaining shares in Pihlajalinna, and thereafter to cause Pihlajalinna's shares to be delisted from Nasdaq Helsinki as soon as reasonably practicable.

As required under applicable laws, Mehiläinen has, and will have at the completion of the tender offer, access to debt and equity funding in sufficient amounts to finance the payment of the aggregate offer price for all of the issued and outstanding shares in Pihlajalinna in connection with the Tender Offer (including in any mandatory redemption proceedings in accordance with the Limited Liability Companies Act). The debt financing is subject to customary certain funds financing conditions.

LocalTapiola General Mutual Insurance Company, MWW Yhtiö Oy, Fennia Mutual Insurance Company, LocalTapiola Mutual Life Insurance Company, Elo Mutual Pension Insurance Company, Leena Niemistö, funds advised by Fondita Fund Management Company Ltd., Ilmarinen Mutual Pension Insurance Company,

Fennia Life Insurance Company Ltd. as well as certain other major shareholders of Pihlajalinna, have irrevocably undertaken to accept the Tender Offer, subject to certain customary conditions. Such undertakings concern approximately 63.2 per cent of the shares and votes in Pihlajalinna in the aggregate.

The completion of the Tender Offer is conditional on the fulfillment or waiver of certain conditions on or by the date on which offeror announces the final result of the tender offer. These conditions include the receipt of all necessary regulatory approvals and that the tender offer has been approved with regard to shares representing, together with any other shares otherwise acquired by the Offeror prior to or during the offer period, more than ninety per cent of the issued and outstanding shares and voting rights in Pihlajalinna.

Statement of the board of directors

The Board of Directors believes that the offer price offered to the shareholders of Pihlajalinna is fair based on an assessment of the issues and factors that the Board of Directors has concluded to be material in evaluating the tender offer. The Board of Directors of Pihlajalinna recommends that the shareholders of Pihlajalinna accept the tender offer.

The Board of Directors further notes that according to offeror's notice, the offer period of the tender offer is intended to be extended so that the offeror expects that the tender offer would be completed towards the end of second quarter of 2020 or at the latest during the third quarter of 2020. The offer period may therefore be somewhat long. Pursuant to the Securities Market Act, the offer period may for special reasons be more than ten (10) weeks, provided that the business operations of the target company are not hindered for longer than reasonable. A notice of closing of the offer period shall be disclosed at least two (2) weeks prior to the closure of the offer period.

The Board of Directors notes that shareholders of Pihlajalinna should also consider the risks related to not accepting the Tender Offer. In case the condition of completion regarding reaching at least 90% of shares and votes would be waived, the completion of the tender offer would reduce the number of shareholders in Pihlajalinna and the number of shares that would otherwise be publicly traded. Depending on the number of shares validly tendered in the tender offer, this could have an adverse effect on the liquidity and value of the shares.

The European Commission has referred the handling of the combination between Mehiläinen Yhtiöt Oy and Pihlajalinna Plc to the Finnish Competition and Consumer Authority

The European Commission decided on 28 January 2020 to refer the handling of the authority approval of Mehiläinen's tender offer to the Finnish Competition and Consumer Authority (hereinafter referred to as the "FCCA").

Mehiläinen Yhtiöt Oy submitted a formal merger control notification regarding the public tender offer by Mehiläinen Yhtiöt Oy for the shares in Pihlajalinna Plc on 10 February 2020

Mehiläinen Yhtiöt Oy submitted a formal merger control notification regarding the public tender offer by Mehiläinen Yhtiöt Oy for the shares in Pihlajalinna Plc on 10 February 2020.

According to the Finnish Competition Act, the the first phase of the notification proceedings may not take more than 23 working days. The Phase I Investigation will thus be completed no

later than on 12 March 2020. According to information currently available, it is more likely than not that the FCCA will, after the Phase I Investigation, initiate continued phase II proceedings before the authority approval is obtained. According to the Competition Act, the Phase II Investigation may not take more than 69 working days, unless the Finnish Market Court grants, upon application, an extension to the FCCA for investigating the case.

If the FCCA initiates the Phase II Investigation, the offeror will extend the offer period in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws, in order to satisfy the conditions to completion of the tender offer, including obtaining the authority approval, provided that the business operations of Pihlajalinna are not hindered for longer than is reasonable, as referred to in Chapter 11, section 12, subsection 2 of the Finnish Securities Market Act. The offeror will decide on a possible extension of the offer period once the Phase I Investigation has progressed to a stage where the offeror is better placed to estimate the overall duration of the handling of the authority approval. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible.

Pihlajalinna Plc's Shareholders' Nomination Board submitted its proposals to the company's Board of Directors, to be presented to the Annual General Meeting of 2020

The number of members and composition of the Board of Directors:

The Nomination Board proposes to the Annual General Meeting of Pihlajalinna Plc, scheduled to be held on 15 April 2020, that the number of the members of the Board be confirmed to be seven. The Nomination Board proposes that all of the current members of the Board of Directors, Matti Jaakola, Hannu Juvonen, Mika Manninen, Leena Niemistö, Kati Sulin, Seija Turunen and Mikko Wirén, be re-elected as members of the Board of Directors for a new term of office.

The personal details of the current members of the Board and the details of their positions of trust are available at investors.pihlajalinna.fi/corporate-governance/board-of-directors.

The Nomination Board further proposes that the Annual General Meeting elect Mikko Wirén as the Chairman of the Board and Leena Niemistö as the Vice-Chairman.

Remuneration of the Board of Directors:

The Shareholders' Nomination Board proposes that the remuneration of the Board of Directors be kept unchanged, and that the following annual remuneration be paid to the members of the Board of Directors to be elected at the Annual General Meeting for the term of office ending at the close of the Annual General Meeting 2021: to the full-time Chairman of the Board of Directors EUR 250,000 per year; to the Vice-Chairman EUR 36,000 per year, and to members EUR 24,000 per year.

Additionally, the Nomination Board proposes that each member of the Board of Directors be paid an attendance fee of EUR 500 per Board or Committee meeting. Reasonable travel expenses will also be reimbursed to the members of the Board in accordance with the company's travel rules.

The above-mentioned proposals will also be included in the notice of the Annual General Meeting which is to be published at a later date.

PIHLAJALINNA BUSINESS AND RESPONSIBILITY
2019 STRATEGY

BOARD OF DIRECTORS STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

Scope of operations 2019 2018 2017
without IFRS 16
2016
without IFRS 16
2015
without IFRS 16
Revenue, EUR million 518.6 487.8 424.0 399.1 213.3
Change, % 6.3 15.0 6.2 87.1 43.3
Organic revenue growth, EUR million 13.4 -2.0 10.1 134.5 44.3
Change, % 2.8 -0.5 2.5 63.0 29.7
Gross investments, EUR million* 44.1 160.0 30.4 27.3 44.6
% of revenue 8.5 32.8 7.2 6.9 20.9
Capitalised development costs, EUR million* 0.5 1.3 1.2 1.3
% of revenue 0.1 0.3 0.3 0.6
Employee benefit expenses, EUR million 222.0 208.4 175.4 167.2 97.4
Personnel at the end of the period (NOE) 5,815 5,850 4,753 4,407 3,047
Average number of personnel (FTE) 4,515 4,618 3,879 3,526 2,503
Profitability 2019 2018 2017 2016 2015
EBITDA, EUR million* 47.8 44.8 33.3 27.9 11.6
EBITDA, %* 9.2 9.2 7.9 7.0 5.4
Adjusted EBITDA, EUR million* 55.1 45.9 34.1 28.9 12.5
Adjusted EBITDA, %* 10.6 9.4 8.0 7.2 5.9
Operating profit (EBIT), EUR million* 10.2 13.2 19.1 15.1 3.6
Operating profit, %* 2.0 2.7 4.5 3.8 1.7
Adjusted operating profit (EBIT), EUR million* 20.8 14.4 20.0 16.6 4.5
Adjusted operating profit, %* 4.0 3.0 4.7 4.2 2.1
Net financial expenses, EUR million -3.9 -3.8 -1.7 -1.4 -2.3
% of revenue -0.8 -0.8 -0.4 -0.4 -1.1
Profit before tax, EUR million* 6.3 9.5 17.4 13.7 1.3
% of revenue 1.2 1.9 4.1 3.4 0.6
Income tax, EUR million -1.8 -2.7 -3.4 -3.0 -0.1
Profit for the period 4.5 6.8 14.1 10.8 1.2
Funding and financial position 2019 2018 2017 2016 2015
Return on capital employed (ROCE), %* 2.9 4.6 11.8 10.8 3.4
Return on equity (ROE), %* 3.8 5.7 13.6 11.1 2.3
Cash flow after investments, EUR million 17.4 -18.8 16.4 6.8 -14.4
Interest-bearing net financial debt, EUR million 192.7 178.0 34.2 22.1 23.5
% of revenue 37.2 36.5 8.1 5.5 11.0
Equity ratio, %* 24.3 29.9 41.8 46.5 50.5
Gearing, %* 181.7 136.6 32.3 21.9 25.2
Net debt/adjusted EBITDA* 3.5 3.9 1.0 0.8 1.9

Key financial figures

2019 2018 2017 2016 2015
Earnings per share (EPS) 0.15 0.16 0.46 0.39 0.03
Equity per share, EUR* 4.47 5.36 4.87 4.74 4.47
Dividend per share, EUR 0.10 0.16 0.15
Dividend per share, % 64.0 34.7 38.4
Effective dividend yield, % 1.2 1.2 0.8
Number of shares at year-end 22,620,135 22,620,135 20,613,146 20,613,146 20,613,146
Average number of shares 22,620,135 22,224,236 20,613,146 20,613,146 16,767,940
Market capitalisation, EUR million 345.6 195.0 274.0 379.7 364.9
Dividends paid, EUR million 2.3 3.3 3.1
P/E ratio* 83.9 55.1 28.9 47.2 640.0
Highest quotation, EUR 15.88 15.28 18.42 18.87 19.85
Lowest quotation, EUR 8.70 8.56 12.60 12.90 11.38
Average quotation, EUR 12.77 12.18 16.30 16.38 12.72
Closing price at year-end, EUR 15.28 8.62 13.34 18.42 17.70
Trading volume of shares, 1,000 shares* 4,062 6,182 5,189 8,196 7,680
Trading volume of shares, %* 18.0 27.8 25.2 39.8 45.8

* Alternative performance measure

Share related information

1 000 € Q4/19 Q3/19 Q2/19 Q1/19 Q4/18 Q3/18 Q2/18 Q1/18
Income statement
Revenue 133,761 122,660 129,710 132,465 126,962 116,290 125,340 119,172
Other operating income 710 186 381 352 1,860 401 588 1,304
Materials and services -53,942 -45,928 -49,684 -50,658 -48,067 -42,847 -49,674 -48,587
Employee benefit expenses -54,970 -52,443 -57,592 -56,962 -53,334 -48,743 -54,351 -51,981
Other operating expenses -13,253 -11,547 -12,370 -13,034 -13,291 -10,834 -12,790 -12,591
EBITDA 12,307 12,928 10,446 12,163 14,130 14,266 9,112 7,318
Adjusted EBITDA 14,444 17,367 10,753 12,563 14,565 14,248 10,178 6,918
Adjusted EBITDA, % 10.8 14.2 8.3 9.5 11.5 12.3 8.1 5.8
Depreciation, amortisation and
impairment
-8,640 -11,546 -8,844 -8,622 -8,195 -8,218 -8,148 -7,025
Operating profit (EBIT) 3,667 1,382 1,601 3,541 5,935 6,048 964 292
Adjusted operating profit (EBIT) 5,557 9,257 2,057 3,941 6,489 6,030 2,030 -107
Adjusted operating profit (EBIT), % 4.2 7.5 1.6 3.0 5.1 5.2 1.6 -0.1
Financial income 30 42 27 22 46 20 34 22
Financial expenses -1,007 -1,017 -995 -1,028 -1,039 -1,014 -894 -942
Profit before taxes 2,690 407 633 2,535 4,942 5,053 104 -628
Income taxes -561 -302 -269 -652 -1,306 -1,153 -234 -26
Profit for the period 2,129 104 364 1,884 3,636 3,901 -129 -653
Share of the result for the financial
year attributable to owners of the
parent company
3,703 -1,284 -490 1,436 2,535 2,234 -11 -1,283
Share of the result for the financial
year attributable to non-controlling
interests
-1,574 1,389 853 448 1,101 1,667 -118 629
EPS 0.16 -0.06 -0.02 0.06 0.11 0.10 0.00 -0.06
Personnel at the end of the period
(NOE)
5,815 5,936 6,100 5,871 5,850 5,867 5,918 5,638
Change in personnel during the
quarter
-121 -164 230 21 -17 -51 280 885

Quarterly information

* Without IFRS 16

Key figures
Earnings per share (EPS) Profit for the financial period attributable to owners of the parent company
Average number of shares during the financial year
Alternative performance measures
Equity per share Equity attributable to owners of the parent company
Number of shares at the end of the financial period
Dividend per share Dividend distribution for the financial year (or proposal)
Number of shares at the end of the financial period
Dividend/result, % Dividend per share
Earnings per share (EPS)
x 100
Effective dividend yield, % Dividend per share
Closing price for the financial year
x 100
P/E ratio Closing price for the financial year
Earnings per share (EPS)
Share turnover, % Number of shares traded during the period
Average number of shares
x 100
Return on equity (ROE), % Profit for the period (rolling 12 months)
Equity (average)
x 100
Return on capital employed, %
(ROCE)
Profit before taxes (rolling 12 months) + financial expenses (rolling 12 months)
Total statement of financial position – non-interest-bearing liabilities (average)
x 100
Equity ratio, % Equity
Total statement of financial position – prepayments received
x 100
Gearing, % Interest-bearing net debt - cash and cash equivalents
Equity
x 100
EBITDA Operating profit + depreciation, amortisation and impairment
EBITDA, % Operating profit + depreciation, amortisation and impairment
Revenue
x 100
Adjusted EBITDA* Operating profit + depreciation, amortisation and impairment + adjustment items
Adjusted EBITDA, %* Operating profit + depreciation, amortisation and impairment + adjustment items
Revenue
x 100
Net debt/Adjusted EBITDA*,
rolling 12 months
Interest-bearing net debt - cash and cash equivalents
Adjusted EBITDA (rolling 12 months)
Cash flow after investments Net cash flow from operating activities + net cash flow from investing activities
Adjusted operating profit (EBIT)* Operating profit + adjustment items
Adjusted operating profit, %* Adjusted operating profit (EBIT)
Revenue
x 100
Profit before taxes Profit for the financial year + income tax
Gross investments Increase in property, plant and equipment and intangible assets excluding finance leases
Organic revenue growth, % Revenue for the period - revenue from M&A transactions for the period - revenue for the
previous period
x 100
Revenue for the previous period

* Significant transactions that are not part of the normal course of business, infrequently occurring events or valuation items that do not affect cash flow are treated as adjustment items affecting comparability between review periods. According to Pihlajalinna's definition, such items include, for example, restructuring measures, impairment of assets and the remeasurement of previous assets held by subsidiaries, the costs of closing down businesses and business locations, gains and losses on the sale of businesses, costs arising from operational restructuring and the integration of acquired businesses, costs related to the termination of employment relationships as well as fines and corresponding compensation payments. Pihlajalinna does not recognise adjustments affecting comparability for acquisition-related transfer taxes and expert fees (IFRS 3 costs) or purchase price allocation (PPA) amortisation.

Calculation of key financial figures and alternative performance measures

EUR 1,000, unless otherwise specified 2019 2018
Return on equity (ROE), %
Profit for the period (rolling 12 months)/ 4,480 6,754
Equity at beginning of period 130,322 105,407
Equity at end of period 106,083 130,322
Equity (average) x 100 118,202 117,864
Return on equity (ROE), %
Profit for the period (rolling 12 months)/ 4,480 6,754
Equity at beginning of period 130,322 105,407
Equity at end of period 106,083 130,322
Equity (average) x 100 118,202 117,864
Return on equity (ROE), % 3.8 5.7
Return on capital employed (ROCE), %
Profit before taxes (rolling 12 months) + 6,264 9,472
Financial expenses (rolling 12 months) 4,047 3,890
/ 10,311
Total statement of financial position at beginning of period - 436,764
non-interest-bearing liabilities at beginning of period 13,361
295,552
78,191 76,730
358,573 218,822
Average x 100 349,927 288,697
341,282 358,573
Non-interest-bearing liabilities at end of period 97,164 78,191
Total statement of financial position at end of period - 438,446 436,764
358,573 218,822
non-interest-bearing liabilities at beginning of period 78,191 76,730
Total statement of financial position at beginning of period - 436,764 295,552
/ 10,311 13,361
Financial expenses (rolling 12 months) 4,047 3,890
Profit before taxes (rolling 12 months) + 6,264 9,472

Return on capital employed (ROCE), % 2.9 4.6

Return on capital employed is one of the most important indicators produced by financial statements analysis. It measures the company's relative profitability, or the return on capital invested in the company that requires interest or other returns.

Equity ratio, %
Equity / 106,083 130,322
Total statement of financial position - 438,446 436,764
Advances received x 100 1,069 897
Equity ratio, % 24.3 29.9

The equity ratio measures the company's solvency, the capacity to tolerate losses and the ability to manage commitments in the long term. The indicator shows the percentage of the company's assets that are financed by equity.

Gearing, %

Gearing, % 181.7 136.6
Equity x 100 106,083 130,322
Cash and cash equivalents / 27,004 36,316
Interest-bearing financial liabilities - 219,707 214,341

Gearing illustrates the company's indebtedness. The figure reveals the ratio between the equity invested in the company by shareholders and the interest-bearing debt borrowed from lenders. The second financial covenant of the Group's financing arrangements is the gearing ratio. The maximum value is 115%.

Reconciliations with alternative key figures and ratios

Pihlajalinna publishes a wide range of alternative performance measures, i.e. key figures that are not based on financial reporting standards, because they are considered to be significant for investors, the management and the Board of Directors in assessing the group's financial position and profitability. The alternative performance measures should not be considered to be replacements for the key figures defined in IFRS standards. The table below presents the reconciliation calculations for the alternative performance measures and the justifications for their presentation.

Reading notes:

  • / divide by the next number/numbers
  • deduct the next number/numbers
    • add the next number/numbers

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

2019 2018
Net debt/adjusted EBITDA, rolling 12 months
Interest-bearing financial liabilities - 219,707 214,341
Cash and cash equivalents 27,004 36,316
Net debt / 192,703 178,026
Adjusted EBITDA (rolling 12 months) 55,127 45,909
Net debt/adjusted EBITDA, rolling 12 months 3.5 3.9

This figure illustrates how quickly, at the current profit rate, the company would have paid off its debts if the EBITDA were to be used in full to repay the debts, if the company does not, for example, invest or distribute any dividend. The second financial covenant linked to the Group's financing arrangement is based on the ratio of the Group's net debt to pro forma EBITDA. The maximum value of the covenant linked to the financing arrangement is 3.75. The closer the value of the covenant is to the maximum value, the higher the loan margin. The Group's management and Board of Directors monitor the fulfilment of the covenant on a monthly basis and the covenant is reported to the lenders on a quarterly basis. The covenant calculations are also updated with forecasts whenever the Group is about to carry out a material acquisition.

EBITDA and Adjusted EBITDA

Adjusted EBITDA 55,127 45,909
Total EBITDA adjustments* 7,284 1,083
EBITDA 47,844 44,826
Depreciation, amortisation and impairment -37,653 -31,586
Financial income 120 122
Financial expenses -4,047 -3,890
Income taxes -1,784 -2,717
Profit for the period 4,480 6,754

EBITDA indicates how much is left of the company's revenue after deducting operating expenses. Assessments of whether EBITDA is sufficiently high should take into account the company's financial expenses, depreciation requirements and intended profit distribution. Adjusted EBITDA provides significant additional information on profitability by eliminating items that do not necessarily reflect the profitability of the company's operative business. Adjusted EBITDA improves comparability between periods and is frequently used by analysts, investors and other parties.

The Group Management Team and operative management monitor and forecast adjusted EBITDA on a monthly basis.

EBITDA, %

EBITDA / 47,844 44,826
Revenue x 100 518,596 487,764
EBITDA, % 9.2 9.2

Adjusted EBITDA, %

Adjusted EBITDA / 55,127 45,909
Revenue x 100 518,596 487,764
Adjusted EBITDA, % 10.6 9.4

Operating profit (EBIT) and Adjusted operating profit (EBIT)

Profit for the period 4,480 6,754
Income taxes -1,784 -2,717
Financial expenses -4,047 -3,890
Financial income 120 122
Operating profit 10,191 13,240
Total adjustments of depreciation, amortisation and impairment** 3,337 119
Total EBITDA adjustments* 7,284 1,083
Total operating profit (EBIT) adjustments 10,621 1,203
Adjusted operating profit (EBIT) 20,812 14,442

Operating profit indicates how much is left of the proceeds of actual business operations before financial items and taxes. With operating profit, the company must cover, among other things, financial expenses, taxes and the distribution of dividends. Adjusted operating profit provides significant additional information on profitability by eliminating items that do not necessarily reflect the profitability of the company's operative business. Adjusted operating profit improves comparability between periods and is frequently used by analysts, investors and other parties.

The Group Management Team and operative management monitor and forecast adjusted operating profit on a monthly basis.

2019 2018
Operating profit (EBIT), %
Operating profit / 10,191 13,240
Revenue x 100 518,596 487,764
Operating profit (EBIT), % 2.0 2.7
Adjusted operating profit (EBIT), %
Adjusted operating profit / 20,812 14,442
Revenue x 100 518,596 487,764
Adjusted operating profit (EBIT), % 4.0 3.0

Cash flow after investments

|--|

Net cash flow from operating activities 36,840 41,235
Net cash flow from investing activities -19,452 -60,070
Cash flow after investments 17,387 -18,835

Cash flow after investments (free cash flow) indicates how much cash is left for the company after deducting the cash tied up in operative business and investments. It indicates how much the company has left for its shareholders and creditors. Free cash flow indicates how sustainable the foundation of the company's profitability is, and it is used as the basis of the company's valuation.

Profit before taxes

Gross investments

Profit for the period 4,480 6,754
Income taxes -1,784 -2,717
Profit before taxes 6,264 9,472
Gross investments
Property, plant and equipment at the end of the period 53,237 43,281
Right-of-use assets at the end of the period 108,109 115,970
Other intangible assets at end of period 19,084 22,914
Goodwill at end of period 173,607 169,927
Depreciation, amortisation and impairment for the period are added 37,653 31,586
Property, plant and equipment at the start of the period 43,281 30,326
Right-of-use assets at the start of the period 115,970 73,125
Other intangible assets at beginning of the period 22,914 16,604
Goodwill at beginning of the period 169,927 103,893
Proceeds from the sale of property, plant and equipment during the period -4,483 -317
Gross investments 44,081 160,048

Gross investments refers to the acquisition of long-term factors of production, including M&A transactions. Divestments and proceeds from the sale of property, plant and equipment are not deducted from investments. Investments are also presented on a cash flow basis in the cash flow statement.

Organic revenue growth, %

Revenue for the period -
518,596
487,764
Revenue from M&A transactions during the period
17,386
65,741
Revenue for the previous period
487,764
423,984
Organic revenue growth /
13,446
-1,961
Revenue for the previous period x 100
487,764
423,984
Organic revenue growth, %
2.8
-0.5
Revenue growth due to M&A transactions, %
3.6
15.5
Revenue growth
30,832
63,780
Revenue growth, %
6.3
15.0

Organic revenue growth is growth in existing business operations that has not come about as a result of M&A transactions. Organic growth can be achieved through increasing the service offering, new customer acquisition, growth in custom from existing customers, price increases and digitalisation. Social and healthcare outsourcing contracts won through public competitive bidding and new business locations established by the group itself are included in organic growth.

BOARD OF DIRECTORS STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

2019 2018
EBITDA 47,844 44,826
Adjustments to EBITDA
Closure of operating locations 42
Previous holding of subsidiary at fair value -964
Dismissal-related expenses 3,019 565
Profit from divestment of business operations -47
Change in fair value of contingent consideration 281 1,192
IAS 37, contingent asset 1,845
Onerous contracts 1,843
Other 296 296
Adjustments to EBITDA in total 7,284 1,083
Adjusted EBITDA 55,127 45,909
Depreciation, amortisation and impairment -37,653 -31,586
Adjustments to depreciation, amortisation and impairment
Closure of operating locations 3,337 119
Adjustments to depreciation, amortisation and impairment in total 3,337 119
Adjustments to operating profit in total 10,621 1,203
Adjusted operating profit (EBIT) 20,812 14,442
Operating profit (EBIT) 10,191 13,240
Financial income 120 122
Financial expenses -4,047 -3,890
Income taxes -1,784 -2,717

Profit for the period 4,480 6,754

The adjustment items are presented in the income statement items as follows:

Revenue 1,845
Other operating income -1,011
Employee benefit expenses 3,566 565
Other operating expenses 1,873 1,530
EBITDA adjustment items total 7,284 1,083
Depreciation, amortisation and impairment 3,337 119
Operating profit adjustment items total 10,621 1,203

Shares and shareholders

Major shareholders, 31 Dec. 2019
Number of shares Percentage of shares and votes
1 Localtapiola General Mutual Insurance Company 3,481,641 15.4 %
2
Mww Yhtiö Oy
2,309,010 10.2 %
3
Fennia Mutual Insurance Company
1,998,965 8.8 %
4 Localtapiola Mutual Life Insurance Company 1,891,865 8.4 %
5
Nordea Bank Abp
1,325,876 5.9 %
6 Elo Mutual Pension Insurance Company 1,267,161 5.6 %
7 Skandinaviska Enskilda Banken Ab (Publ), Helsinki Branch 1,050,207 4.6 %
8
Niemistö Leena Katriina
703,475 3.1 %
9 Fondita Nordic Micro Cap Mutual Fund 534,596 2.4 %
9 Ilmarinen Mutual Pension Insurance Company 490,000 2.2 %
10 largest, total 15,052,796 66.5 %
Other shareholders 7,567,339 33.5 %
Total 22,620,135 100.0 %
Distribution of shareholding by size range, 31 Dec. 2019
Shares per shareholder Number of shareholders % of shareholders Number of shares Percentage of shares, %
1 - 100 6,388 54.4 % 305,063 1.3 %
101 - 1 000 4,712 40.1 % 1,609,159 7.1 %
1 001 - 10 000 565 4.8 % 1,550,088 6.9 %
10 001 - 100 000 61 0.5 % 1,500,445 6.6 %
100 001 - 500 000 17 0.1 % 3,093,064 13.7 %
500 001 - 9 0.1 % 14,562,316 64.4 %
11,752 100.0 % 22,620,135 100.0 %
of which nominee-registered shares 9 2,464,485 10.9 %
Outstanding shares 22,620,135 100.0 %

Distribution of shareholding by sector, 31 Dec. 2019

Number of shareholders % of shareholders Number of shares Percentage of shares, %
Private companies 435 3.7 % 4,527,080 22.5 %
Financial and insurance institutions 30 0.3 % 9,067,843 45.0 %
Public entities 4 0.0 % 1,883,979 9.3 %
Households 11,222 95.5 % 4,533,075 22.5 %
Non-profit organisations 40 0.3 % 135,948 0.7 %
Foreign shareholders 21 0.2 % 7,725 0.0 %
11,752 100.0 % 20,155,650 100.0 %
nominee-registered shares 2,464,485 10.9 %
Outstanding shares 22,620,135 100.0 %

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

Shareholding by the management, 31 Dec. 2019

Direct holding Indirect holdings
Number of shares Percentage of shares and votes Number of shares Percentage of shares
Board of Directors
Mikko Wirén (MWW Yhtiö Oy) 2,309,010 10.2 %
Leena Niemistö 703,475 3.1 %
Matti Jaakola
Hannu Juvonen
Mika Manninen
Kati Sulin
Seija Turunen
Management Team
Joni Aaltonen 81,920 0.4 %
Teija Kulmala 6,000 0.0 %
Tarja Rantala 10,455 0.0 %
Elina Heliö 1,009 0.0 %
Sanna Määttänen 11,700 0.1 %
Marko Savolainen 4,000 0.0 %

Financial statements 1 Jan–31 Dec 2019

CONTENTS

Consolidated statement of comprehensive income, IFRS 56
Consolidated statement of financial position, IFRS 57
Consolidated statement of cash flows, IFRS 58
Consolidated statement of changes in equity, IFRS 59
Notes to the consolidated financial statements, IFRS
Category No. Description
Accounting policies
60
New and amended standards and interpretations applied in the past financial year 60
Adoption of new and revised standards and interpretations in future financial years 62
Income statement 1 Revenue from contracts with customers and segment information 63
Income statement 2 Other operating income 65
Income statement 3 Materials and services 65
Income statement 4 Employee benefit expenses 65
Income statement 5 Share-based incentive scheme for key personnel 66
Income statement 6 Other operating expenses 66
Income statement 7 Depreciation, amortisation and impairment 66
Income statement 8 Adjusted EBITDA and adjusted operating profit 67
Income statement 9 Financial income 68
Income statement 10 Financial expenses 68
Income statement, taxes 11 Income taxes 68
EPS 12 Earnings per share 69
Statement of financial position 13 Property, plant and equipment 69
Statement of financial position 14 Intangible assets 70
Statement of financial position 15 Right-of-use assets 73
Statement of financial position 16 Other non-current receivables 74
Statement of financial position 17 Trade and other receivables 74
Statement of financial position 18 Provisions 76
Statement of financial position 19 Trade and other payables 76
Balance sheet, taxes 20 Deferred tax assets and liabilities 76
Equity 21 Financial assets and liabilities by measurement category 78
Equity 22 Notes on equity 79
Equity 23 Financial liabilities 80
Equity 24 Changes in interest-bearing liabilities with no impact on cash flow 80
Equity 25 Capital management 80
Risk management 26 Financial risk management 81
Group structure 27 Business combinations 83
Group structure 28 Subsidiaries and material non-controlling interests 86
Group structure 29 Interests in associates and joint arrangements 88
Other 30 Contingent assets and liabilities and commitments 88
Other 31 Related party transactions 89
Other 32 Events after the balance sheet date 91
Parent company financial statements, main calculations, FAS
Parent company balance sheet, FAS 93
Parent company income statement, FAS
Parent company cash flow statement, FAS
94
95
Parent company notes to financial statements, FAS Signatures to the Report by the Board of Directors and the Financial Statements 96
100
Auditor's report 101
Information for shareholders 105

PIHLAJALINNA BUSINESS AND RESPONSIBILITY
2019 STRATEGY

Consolidated statement of comprehensive income

EUR 1,000 Note 1.1.–31.12.2019 1.1.–31.12.2018
Revenue 1 518,596 487,764
Other operating income 2 1,630 4,153
Materials and services 3 -200,212 -189,175
Employee benefit expenses 4 -221,967 -208,409
Other operating expenses 6 -50,205 -49,541
Share of profit in associated companies and joint ventures 29 2 35
EBITDA 47,844 44,826
Depreciation, amortisation and impairment 7 -37,653 -31,586
Operating profit 10,191 13,240
Financial income 9 120 122
Financial expenses 10 -4,047 -3,890
Financial income and expenses -3,926 -3,768
Profit before taxes 6,264 9,472
Income taxes 11 -1,784 -2,717
Profit for the period* 4,480 6,754
Total comprehensive income for the period 4,480 6,754
Total comprehensive income for the financial year attributable to
Owners of the parent 3,365 3,475
Non-controlling interests 1,115 3,279
Earnings per share for profit attributable to owners of the parent company, EUR
Basic
12 0.15 0.16
Diluted 0.15 0.16

* The Group does not have any other comprehensive income items.

Consolidated statement of financial position

EUR 1,000 Note 31.12.2019 31.12.2018
Assets
Non-current assets
Property, plant and equipment 13 53,237 43,281
Goodwill 14 173,607 169,927
Other intangible assets 14 19,084 22,914
Right-of-use assets 15 108,109 115,970
Interests in associates 29 24 23
Other investments 146 139
Other receivables 16 1,975 1,800
Deferred tax assets 20 6,006 4,063
362,188 358,117
Current assets
Inventories 2,322 2,454
Trade and other receivables 17 46,062 38,147
Current tax assets 869 1,731
Cash and cash equivalents 27,004 36,316
75,237 78,647
Total assets 438,446 436,764
Equity and liabilities
Equity attributable to owners of the parent 22
Share capital 80 80
Reserve for invested unrestricted equity 116,520 116,520
Retained earnings -15,481 4,551
101,119 121,150
Non-controlling interests 4,965 9,171
Total equity 106,083 130,322
Liabilities
Non-current liabilities
Deferred tax liabilities 20 5,726 6,105
Provisions 18 170 302
Lease liabilities 15 96,404 101,998
Financial liabilities 21 103,862 95,694
Other non-current liabilities 1,302 1,505
207,465 205,603
Current liabilities
Trade and other payables 19 102,002 79,494
Current tax liabilities 423 1,884
Provisions 18 1,636
Lease liabilities 15 17,747 16,504
Financial liabilities 21 3,090 2,958
123,877 100,840
Total liabilities 331,341 306,443
Total equity and liabilities 438,446 436,764

PIHLAJALINNA BUSINESS AND RESPONSIBILITY
2019 STRATEGY

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

Consolidated statement of cash flows

EUR 1,000
Note
1.1.–31.12.2019 1.1.–31.12.2018
Cash flow from operating activities:
Profit for the period 3,365 3,487
Cash flow adjustments for business operations: 0
Taxes 1,784 2,717
Depreciation, amortisation and impairment 37,653 31,586
Financial income and expenses 3,925 3,733
Other 964 3,444
Net cash generated from operating activities before change in working capital 47,691 44,968
Change in working capital -6,227 1,643
Interest received 109 112
Taxes paid -4,733 -5,488
Net cash flow from operating activities 36,840 41,235
Cash flow from investing activities:
Investments in property, plant and equipment and intangible assets -15,406 -19,589
Proceeds from disposal of property, plant and equipment and intangible assets 801 392
Changes in other investments -1 12
Dividends received 11 12
Acquisition of subsidiaries less cash and cash equivalents at date of acquisition
27
-4,857 -40,951
Disposal of subsidiaries less cash and cash equivalents at date of disposal
27
55
Net cash flow from investing activities -19,452 -60,070
Cash flow from financing activities:
Proceeds from issuing shares
Acquisitions of non-controlling interests -1,267 -6,424
Proceeds from short-term borrowings
24
501
Proceeds from long-term borrowings
24
9,000 121,520
Repayment of borrowings
24
-1,785 -72,131
Repayment of lease liabilities
24
-22,656 -16,311
Interest and other operational financial expenses -3,838 -3,543
Dividends paid and other profit distribution -6,653 -5,034
Net cash flow from financing activities -26,699 18,076
Changes in cash and cash equivalents -9,312 -759
Cash at the beginning of the financial year 36,316 37,074
Cash at the end of the financial year 27,004 36,316

Consolidated statement of changes in equity

Equity attributable to owners of the parent company
Share Reserve for
invested unre
Retained Non-controlling Total
capital stricted equity earnings interests equity
Total equity, 31 Dec. 2017
IFRS 15 adoption
80 87,945 12,268 5,563 105,857
IFRS 9 adoption
IFRS 16 adoption -300 -149 -449
Total equity, 1 Jan. 2018 80 87,945 11,968 5,414 105,407
Profit for the period, reported 3,826 3,316 7,143
Effect of IFRS 16 -351 -37 -388
Total comprehensive income for the period 3,475 3,279 6,754
Directed share issue 28,574 28,574
Dividends paid -3,619 -1,225 -4,844
Investments in group subsidiaries, reported 2,381 2,381
Investments in group subsidiaries, effect of IFRS 16 -93 93 0
Total transactions with owners 28,574 -3,712 1,249 26,111
Changes in NCI
without a change in
control -7,180 -771 -7,951
Total changes in ownership interests -7,180 -771 -7,951
Total equity, 31 Dec. 2018 80 116,520 4,551 9,171 130,322
EUR 1,000 Equity attributable to owners of the parent company
Reserve for
Share
capital
invested unre
stricted equity
Retained
earnings
Non-controlling
interests
Total
equity
Total equity, 1 Jan. 2019 80 116,520 4,551 9,171 130,322
Profit for the period 3,365 1,115 4,480
Total comprehensive income for the period 3,365 1,115 4,480
Dividends paid -2,262 -4,930 -7,192
Investments in Group companies 95 -91 5
Total transactions with owners -2,167 -5,021 -7,188
Changes in NCI without a change in control
-21,230 -301 -21,531
Total changes in ownership interests -21,230 -301 -21,531
Total equity, 31 Dec. 2019 80 116,520 -15,481 4,965 106,083
Share
capital
invested unre
stricted equity
Retained
earnings
Non-controlling
interests
Total
equity
Total equity, 1 Jan. 2019 80 116,520 4,551 9,171 130,322
Profit for the period 3,365 1,115 4,480
Total comprehensive income for the period 3,365 1,115 4,480
Dividends paid -2,262 -4,930 -7,192
Investments in Group companies 95 -91 5
Total transactions with owners -2,167 -5,021 -7,188
Changes in NCI without a change in control
-21,230 -301 -21,531
Total changes in ownership interests -21,230 -301 -21,531
Total equity, 31 Dec. 2019 80 116,520 -15,481 4,965 106,083

Company profile

Pihlajalinna is one of the leading private social and healthcare service providers in Finland. The Group serves private persons, companies, insurance companies and public sector entities, such as municipalities and hospital districts. Pihlajalinna provides a broad range of social and healthcare services as well as wellbeing services. The service selection includes general practitioner and medical specialist services, occupational healthcare, social and healthcare outsourcing, fitness centre services, responsible doctor and remote consultation services as well as residential services and staffing services.

At the end of the financial year, the total number of Pihlajalinna's private clinics, hospitals, dental clinics, fitness centres, service housing units with 24-hour assistance and reception centres was approximately 140. In addition, Pihlajalinna has four major complete social and healthcare outsourcing agreements and one partial outsourcing agreement that collectively cover some 60 locations (including health centres, maternity and child health clinics, service housing units with 24-hour assistance and daytime activity centres).

The Group's parent company, Pihlajalinna Plc, is a Finnish public limited company established under the laws of Finland, whose Business ID is 2617455-1. The company is domiciled in Tampere, and its registered address is Kehräsaari B, FI-33200 Tampere, Finland. Pihlajalinna Plc's shares are listed on the NASDAQ OMX Helsinki main market. A copy of the consolidated financial statements is available on the internet at investors.pihlajalinna.fi or can be obtained at the head office of the Group's parent company, address Kehräsaari B, 33200 Tampere, Finland.

The Board of Directors of Pihlajalinna Plc approved these financial statements in its meeting on 13 February 2020. In accordance with the Finnish Limited Liability Companies Act, the shareholders may adopt or reject the financial statements at the Annual General Meeting held after their publication. The Annual General Meeting can also decide on modifications to be made to the financial statements.

Basis of preparation

The consolidated financial statements have been prepared in accordance with the International Financial Reporting Standards (IFRS), and their preparation complies with the IAS and IFRS as well as SIC and IFRIC interpretations effective on 31 December 2020. International Financial Reporting Standards, as intended in the Finnish Accounting Act and the regulations issued pursuant to the Act, refer to the standards that have been approved for application within the EU in accordance with Regulation (EC) No. 1606/2002 and interpretations thereof. The notes to the consolidated financial statements also comply with the Finnish accounting and company legislation that complements the IFRS regulations.

Accounting policies that influence a particular note to the consolidated financial statements are indicated with the heading Accounting policies in the note in question.

The consolidated financial statements are presented in euros and all figures are rounded to the nearest thousand, unless otherwise specified.

New and amended standards and interpretations applied in the past financial year

IFRS 16 Leases

Pihlajalinna adopted IFRS 16 fully retrospectively by adjusting the financial figures for 2018 in accordance with IAS 8 Accounting Policies, Changes in Accounting Estimates and Errors. Pihlajalinna issued a release on 18 April 2019 to present restated comparable financial figures for each reporting period in 2018.

The IFRS 16 Leases standards covers the definitions, recording and measurement of leases as well as other financial statements provided regarding leases. According to the standard, the tenant records the asset item based on the right of use and the corresponding financial liability in the statement of financial position. The Group adopted the new standard fully retrospectively. The effects of the date of transition 1 January 2018 are calculated as if the standard has always been valid.

The IFRS 16 Leases standard had a significant impact on the income statement, balance sheet and key figures of Pihlajalinna. The adoption of the standard considerably increased the EBITDA and adjusted EBITDA when the renting expense recorded in the income statement was replaced with depreciations of the right-of-use-asset as well as the interest costs of liability recorded in the financial items. In addition, the change in deferred taxes was recorded in the income tax. The adoption of the standard has not significantly changed Pihlajalinna's operating profit, adjusted operating profit, profit for the financial year or earnings per share.

The assets on the consolidated balance sheet were increased by the right-of-use asset calculated for the start of each lease and depreciated during the lease period. The amount of interest-bearing debt on the consolidated balance sheet increased with the discounted amount of lease liability. In addition, the transition to the new lease standard impacted the consolidated cash flow from operating activities as well as the cash flow from financing activities once the realised payments of rent are targeted at the cash flow from financing activities to the extent corresponding to the financial expenses and the partial payment of debt. Overall, the consolidated cash flow remains unchanged, but there are changes in the manner of representation between the different parts of the statement of cash flows. An entry in equity was created regarding the retroactive deployment of the new standard on the date of transition on 1 January 2018 when the values of assets and liabilities recorded in the statement of financial position differed on the date of transition.

Most of the Pihlajalinna rental arrangements in line with the IFRS 16 are leases for business premises. The other lease arrangements in line with the standard concern land areas, machinery and equipment (exercise equipment, clinical equipment, cars and other equipment). Pihlajalinna applies the IFRS 16 exemption that allows lessees to elect not to recognise a right-of-use asset and corresponding lease liability for assets with a lease term of 12 months or less as well as assets of low

Accounting policies value. Assets of low value include, for example, IT equipment

and office furniture. Furthermore, to make the accounting of leases easier, Pihlajalinna elects not to separate service components from leases, instead treating the entire agreement as a lease in its consolidated financial statements. For lease arrangements valid until further notice, with a short notice period, Pihlajalinna will estimate the probable lease term.

Key impacts of the IFRS 16 changes

  • On the opening balance sheet of 1 January 2018, the group's right-of-use assets increased by EUR 41.5 million to EUR 73.1 million and the interest-bearing debt under liabilities increased by EUR 42.2 million to EUR 74.7 million.
  • On the consolidated balance sheet of 31 December 2018, the group's right-of-use assets increased by EUR 86.7 million to EUR 116.0 million and the interest-bearing debt under liabilities increased by EUR 88.0 million to EUR 118.5 million.
  • With the adoption of the standard, the operating profit for the financial year 2018 increased by EUR 0.4 million to EUR 13.2 million.
  • Earnings per share for the financial year 2018 decreased by EUR 0.02. The comparable earnings per share for the financial year 2018 was EUR 0.16.
  • The equity ratio of 31 December 2018 decreased by 7.7 percentage points to 29.9 per cent.
  • Net gearing of 31 December 2018 increased by 67.9 percentage points to 136.6 per cent.
  • The comparable indicator of net debt/adjusted EBITDA for the financial year 2018 was 3.9.

Pihlajalinna revised the presentation manner of the main calculations by adding rows in line with the IFRS 16 to the calculations. In addition, Pihlajalinna's statement of cash flows complies with an indirect calculation model.

The adoption of the standard does not affect the covenant calculations of the Group's external financing arrangement. The calculation of covenants will continue with the creditor banks in accordance with the accounting principles confirmed in the original financing arrangement.

The IFRIC 23 interpretation provides a more detailed framework regarding the recognition of uncertain tax positions and emphasises requirements related to notes to financial statements.

Other new or amended standards and interpretations that entered into force during the 2019 financial year have not had an impact on Pihlajalinna's financial statements.

Consolidation principles

Subsidiaries

Subsidiaries are entities in which the Group exercises control. The Group has control of an entity when it is exposed, or has rights, to variable returns from its involvement with the entity and has the ability to affect those returns through its power over the entity.

Intragroup shareholdings are eliminated using the acquisition method. The consideration transferred and the acquired entity's identifiable assets and assumed liabilities are measured at fair value at the date of acquisition. Acquisition-related costs are

expensed. Any contingent consideration is measured at fair value at the date of acquisition and classified as a liability. If the initial accounting for a business combination is incomplete by the end of the reporting period in which the combination occurs, the Group reports in its financial statements provisional amounts for the items for which the accounting is incomplete. During the measurement period, the Group retrospectively adjusts the provisional amounts recognised at the acquisition date to reflect any new information. The measurement period may not exceed one year from the acquisition date. A contingent consideration classified as a liability is measured at fair value at the end of each reporting period, and any resulting gain or loss is recognised in profit or loss after the end of the measurement period.

Non-controlling interests in the acquiree are recognised either at fair value or an amount that corresponds to their pro rata share of the acquiree's net assets. The amount by which the consideration transferred, non-controlling interests in the acquiree and previously owned holding combined exceed the fair value of the acquired net assets is recognised as goodwill in the consolidated statement of financial position. If the combined value of the consideration, non-controlling interests and previously owned holding is lower than the fair value of the acquiree's net assets, the difference is recognised in the statement of comprehensive income.

Acquired subsidiaries are consolidated from the date when the Group obtained control, and disposed subsidiaries are consolidated until the date when the Group lost control. All intragroup transactions, receivables, liabilities, unrealised profits and internal profit distribution are eliminated in the preparation of the consolidated financial statements. Unrealised losses will not be eliminated in case of impairment losses. Profit or loss for the financial year attributable to the owners of the parent company and to the non-controlling interests is presented in the consolidated statement of comprehensive income. Comprehensive income is attributed to the owners of the parent company and to the non-controlling interests, even if this would lead to a situation where the portion attributable to the non-controlling interests is negative. The portion of equity attributable to the non-controlling interests is presented as a separate item under equity in the consolidated statement of financial position. Such changes in the parent company's ownership interest in a subsidiary that do not lead to loss of control are treated as equity transactions.

In connection with acquisitions achieved in stages, the previous holding is measured at fair value, and the resulting gain or loss is recognised in profit or loss. When the Group loses control of a subsidiary, any remaining holding is measured at fair value at the date of loss of control, and the resulting difference is recognised in profit or loss.

Associates and joint arrangements

Associates are companies over which the Group has significant influence. As a rule, significant influence is established when the Group holds more than 20% of a company's voting power or otherwise has significant influence but no control.

A joint arrangement is an arrangement of which two or more parties have joint control. Joint control involves contractually agreed sharing of control of an arrangement, which exists only

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

INFORMATION FOR SHAREHOLDERS

when decisions about relevant activities require the unanimous consent of the parties sharing control. A joint arrangement is either a joint operation or a joint venture. A joint venture is an arrangement whereby the Group has rights to the net assets of the arrangement, whereas in a joint operation the Group has rights to the assets, and obligations for the liabilities, relating to the arrangement.

Associates and joint ventures are consolidated using the equity method. If the Group's share of the loss of an associate or a joint venture exceeds the carrying amount of the investment, then the investment is carried at zero value, and the losses exceeding the carrying amount are not consolidated, unless the Group is committed to fulfilling the obligations of the associate or joint venture. An investment in an associate or a joint venture includes the goodwill generated through the acquisition. Unrealised profits between the Group and an associate or a joint venture are eliminated in proportion to the Group's ownership interest. The Group's pro rata share of an associate's or a joint venture's profit for the financial year is included in operating profit.

The Group owns 31% in Kiinteistö Oy Levin Pihlaja, which is consolidated as a joint operation according to the pro rata share, using the proportionate consolidation method.

Foreign currency translation

The consolidated financial statements are presented in euros, which is the functional currency and presentation currency of the Group's parent company and of the subsidiaries engaged in business activities. In their own accounting, Group companies translate dayto-day transactions denominated in foreign currency into their functional currency applying the exchange rates of the transaction date. Foreign exchange gains and losses related to the business are included in the corresponding expense items.

Accounting policies requiring management judgement and major sources of estimation uncertainty

In the course of preparing the financial statements, it is necessary to make estimates and assumptions about the future. However, such estimates and assumptions may later prove inaccurate compared with actual outcomes. The Group regularly monitors the realisation of the estimates and assumptions and

changes in the underlying factors together with the business units by using several, both internal and external, sources of information. Any changes in estimates and assumptions are recognised in the financial year during which the estimate or assumption is corrected and in all subsequent financial years. Additionally, it is necessary to exercise judgement in the application of the accounting policies. The most significant estimates and assumptions are presented under the note in question under the heading Key accounting estimates and decisions based on management judgement.

Adoption of new and amended standards and interpretations applied in future financial years

* = The regulation in question was not yet endorsed for use in the EU on 31 December 2019.

Amendments to References to the Conceptual Framework in IFRS Standards (effective for financial years beginning on or after 1 January 2020).

The revised Framework codifies IASB's thinking adopted in recent standards. The Conceptual Framework primarily serves as a tool for the IASB to develop standards and to assist the IFRS Interpretations Committee in interpreting them. It does not override the requirements of individual IFRSs.

Definition of a Business (Amendments to IFRS 3) (effective for financial years beginning on or after 1 January 2020)

The amendments narrowed down and clarified the definition of a business. They also permit a simplified assessment of whether an acquired set is a group of assets rather than a business.

Definition of Material (Amendments to IAS 1 and IAS 8)

(effective for financial years beginning on or after 1 January 2020) The amendments clarify the definition of material and include guidance to help improve consistency in the application of that concept across all IFRS Standards. In addition, the explanations

accompanying the definition have been improved.

The above-mentioned and other new or amended standards and interpretations effective in upcoming financial periods are not expected to have a significant impact on Pihlajalinna's financial statements.

Notes to the consolidated financial statements, IFRS

1. Revenue from contracts with customers and segment information

Accounting policies

The Group's revenue consists of payments related to the sale of healthcare services, social services and wellbeing services measured at fair value, adjusted by any discounts and other adjustment items. The healthcare services provided by the Group consist of occupational health services, services provided at private clinics and hospitals, responsible doctor services, diagnostics services, rehabilitation services and dental care services. The social services provided by the Group consist of services for the elderly and the disabled, mental health and substance abuse group services, and asylum seeker reception centre operations. A significant part of the consolidated revenue consists complete social and healthcare outsourcing, which also includes the provider's liability for the costs of specialised care. The Group also provides wellbeing services and physician recruitment services. Forever fitness centres offer diverse wellbeing services for adults who exercise. Fitness centre services complement Pihlajalinna's preventive occupational healthcare services and rehabilitation services carried out after specialised care procedures.

The Group records the remunerations of employed healthcare professionals, contract-based practitioners and holders of Series B shares of Pihlajalinna Terveys Oy under revenues on a gross basis, i.e. based on total customer invoicing. According to the management's view, Pihlajalinna has primary responsibility for the provision of services to its customers. Therefore, the Group is involved in a contractual relationship as a principal which is exposed to significant risks and benefits related to the sale of services. The Group records the remunerations of contract-based practitioners and holders of Series B shares of Pihlajalinna Terveys Oy in the income statement under the item External services.

IFRS 15 Revenue from Contracts with Customers includes a five-step model for recognising revenue from contracts with customers: when to recognise revenue, and at what amount. Revenue can be recognised over time or at a point in time, and the passing of control is a key criterion. Pihlajalinna has identified the following major performance obligations:

Social and Healthcare Outsourcings

  • statutory social and healthcare services of a municipality's residents separately described in the contracts with customers
  • individual social and healthcare service visits by residents of other municipalities

Residential services (including asylum seeker reception centres)

  • statutory social and healthcare services separately described in the contracts with customers
  • capacities of reception centres on each day covered by the agreement
  • elderly care home services on each day covered by the agreement
  • individual separately charged additional services or health centre visits

Private Clinics and Dental Care

• Private Clinics and Dental Care

Surgical Operations and Public Specialised Care

  • statutory social and healthcare services of a municipality's residents separately described in the contracts with customers
  • individual social and healthcare service visits by residents of other municipalities
  • other individual visits (e.g. private individuals who pay for their services themselves or through insurance companies)

Occupational Healthcare

  • individual occupational healthcare customer visits (e.g. appointments with occupational healthcare nurses and doctors, laboratory tests)
  • preventive and health-promoting separately agreed services (e.g. occupational health check-ups, workplacespecific occupational health surveys)
  • other additional services agreed upon with the customer (e.g. first aid course)

Fitness centre services

  • obligations related to monthly and annual fees for fitness centre services
  • individual separately charged additional services

Recruitment services

  • customer-specific monthly fees for recruitment services
  • individual separately charged recruitment services

Responsible doctor services

• location-specific daily charges described in the customer agreement

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

Staffing service

  • selling a healthcare professional's labour event-specifically or based on time
  • customer-specific monthly fees for emergency and on-call services

The transaction price is primarily comprised of individual visits according to the price list or annual, monthly, daily or hourly rates based on customer agreements. In most cases, the price concerns an individual performance obligation. In some cases, the price includes a variable element of consideration (e.g. discount, penalty charge, bonus), which is allocated to one or more performance obligations. The performance obligations are primarily fulfilled either over time (e.g. outsourcings, residential services, fitness centre services, recruitment services, responsible doctor services) or at a point in time (e.g. occupational healthcare services, individual customer visits, additional services).

The performance obligation in social and healthcare outsourcings is the municipality's statutory social and healthcare service operations described in the customer agreement. The outsourcings are primarily based on a fixed annual price, and they are recognised as revenue over time.

Revenue from individual services is recognised on a treatment visit-specific basis based on service use.

Pihlajalinna has implemented changes to its segment reporting as a result of structural reforms. Pihlajalinna reformed its management system and the structure of its Management Team as part of its efficiency improvement programme. In conjunction with the reform, some of the Management Team positions were discontinued. In addition, the company also established an operations management team as a new management team level directed by the COO Teija Kulmala. The changes took effect on 15 August 2019.

Pihlajalinna's previous operating structure had four geographical business areas: Mid-Finland, Southern Finland, Ostrobothnia and Northern Finland. Each business area was managed by a Head of Business Operations responsible for its performance, who is in charge of their area's business operations and service offering for both the private and the public sector. In the revised operating structure, COO Teija Kulmala is in charge of the profitability and resources of business operations and the Group has one operating segment.

Pihlajalinna's CEO makes significant operational decisions at the Group level. The senior operating decision-maker monitors the Group's result. The key performance indicators that are monitored are EBITDA and operating profit. Adjusted EBITDA and adjusted operating profit also provide significant additional information on profitability, as these alternative performance measures eliminate items that do not necessarily reflect the profitability of the company's operative business. The alternative performance measures, adjusted EBITDA and adjusted operating profit, improve comparability between periods.

The adjustment items of these alternative performance measures are specified in Note 8 Adjusted EBITDA and adjusted operating profit.

Key accounting estimates and decisions based on management judgement

Determining the annual profitability of the group's complete social and healthcare services outsourcing agreements may become accurate with a delay. The group may not always be aware of the actual costs of the agreements at the time of preparing the financial statements, and the agreements may involve variable consideration. The cost accumulation of public specialised care involves random fluctuation. In addition, individual cases falling within the scope of the hospital districts' pooling system for high-cost care and operational economy surplus refunds may influence the costs of specialised care considerably during the financial year, and between financial periods, in Pihlajalinna's municipal companies.

Revenue by region

Pihlajalinna reports its sales revenue divided into the following geographical regions:

  • Southern Finland includes Pihlajalinna's business operations in the regions of Uusimaa, South West Finland, Päijät-Häme, Kymenlaakso and South Karelia.
  • Mid-Finland includes Pihlajalinna's business operations in the regions of Pirkanmaa, Satakunta, Kanta-Häme, Central Finland, South Savo, North Karelia and North Savo.
  • Ostrobothnia includes Pihlajalinna's business operations in the regions of Southern Ostrobothnia, Ostrobothnia and Central Ostrobothnia.
  • Northern Finland includes Pihlajalinna's business operations in the regions of North Ostrobothnia, Kainuu and Lapland.
EUR 1,000 2019 % 2018 %
Southern Finland 118,198 20 107,633 20
Mid-Finland 324,140 56 311,881 57
Ostrobothnia 115,676 20 108,792 20
Northern Finland 14,703 3 12,307 2
Other operations 7,705 1 4,797 1
Intra-Group sales -61,826 -57,646
Total consolidated revenue 518,596 100 487,764 100

Revenue by customer group

Pihlajalinna's customer groups are corporate customers, private customers and public sector customers.

  • The Group's corporate customer group consists of Pihlajalinna's occupational healthcare customers, insurance company customers and other corporate contract customers with the exception of public sector occupational healthcare customers.
  • The Group's private customers are private individuals who pay for services themselves and may subsequently seek compensation from their insurance company.
  • The Group's public sector customer group consists of public sector organisations in Finland, such as municipalities, joint municipal authorities, congregations, hospital districts and the public administration when purchasing social and healthcare outsourcing services,

residential services, occupational healthcare services and staffing services.

EUR 1,000 2019 % 2018 %
Corporate customers 122,078 21 106,329 20
of which insurance
company customers
27,587 5 25,162 5
Private customers 97,793 17 93,036 17
Public sector 360,551 62 346,045 63
Intra-Group sales -61,826 -57,646
Total consolidated revenue 518,596 100 487,764 100

Information on key customers

The Group's sales revenue from the four largest municipal customers totalled approximately EUR 257.1 (252.6) million, representing 50% (52%) of the consolidated revenue.

Estimate of unsatisfied performance obligations related to service agreements on the provision of social and healthcare services, EUR million

EUR 1,000 31.12.2019 31.12.2018
2019 244
2020 250.7 245
2021 251.8 246
2022 252.9 247
2023 254.1 248
2024 252.0 249
2025 253.1 250
2026 182.3 251
2027 183.1 253
2028 184.0 254
2029 184.9 255
2030 149.0 220
2,398 2,962

The City of Jämsä did not exercise its right to extend the validity of the service agreement concluded on 18 March 2015. This five-year option period has been omitted from the estimate of obligations related to social and healthcare outsourcing agreements.

Accounting policies

Government grants received as compensation for expenses already incurred are recognised in profit or loss for the period in which they become receivable. These grants are presented under other operating income.

Government grants related to capitalised development projects are recognised as deductions from the carrying amounts of intangible assets, when there is reasonable assurance that such grants will be received and that the Group will comply with the conditions for receiving them. The grants will be recognised as income over the useful life of an asset by way of reduced depreciation.

The Group has subleased certain premises that are not used for business operations. Income from these leases is presented under other operating income.

Sale and leaseback

With regard to sale and leaseback agreements completed prior to the adoption of IFRS 16, the Group will continue the allocation of capital gains as before in accordance with the transition provision of IFRS 16.

If a finance lease is created as a result of a sale and leaseback agreement, the difference between the carrying amount and the sales price will be recognised in the consolidated statement of financial position and recognised as income over the lease term under other operating income. The unrecognised portion of the difference between the carrying amount and the sales price is presented as Other liabilities in the statement of financial position.

EUR 1,000 2019 2018
Capital gains on property, plant and
equipment
258 289
Rental income 368 185
Government grants 680 1,290
Insurance indemnities 81
Previous holding measured
at fair value
964
Other income items 323 1,343
Total 1,630 4,153

3. Materials and services

Accounting policies

Pihlajalinna Terveys Oy, a Group subsidiary, has issued a second series of shares (Series B) and established contingency funds associated with them. Funds accumulate in the contingency funds based on the work contributions of the holders of Series B shares. This work contribution is included in profit or loss under the item External services. The liability indicated by the contingency fund is included in current liabilities under the item Other liabilities, presented in Note 19 Trade and other payables and Note 21 Financial assets and liabilities by measurement category. Work contribution-based dividends paid by the company are an income tax deductible item.

EUR 1,000 2019 2018
Materials -19,343 -17,465
Change in inventories -217 -74
External services,
practitioners
-76,508 -70,767
External services, other -104,144 -100,868
Total -200,212 -189,175

4. Employee benefit expenses

Accounting policies

Pension plans are generally classified as defined benefit plans and defined contribution plans. The Group only has defined contribution plans. In defined contribution plans, the Group makes fixed payments to a separate unit. The Group has no legal or constructive obligation to make additional payments if the recipient of the payments is incapable of paying out

said retirement benefits. Payments made into the defined contribution plans are recognised in profit or loss for the financial year for which they are charged.

EUR 1,000 2019 2018
Wages and salaries -185 532 -172 355
Pension costs – defined contribution plans -30 956 -30 459
Other social security expenses -5 479 -5 595
Total -221 967 -208 409
Personnel on average (FTE) 4 515 4 618
Personnel at the end of the period (NOE) 5 815 5 850

Information on the employee benefits and loans of members of management considered to be related parties is presented in Note 31 Related party transactions.

5. Share-based incentive scheme for key personnel

At its meeting on 14 February 2019, the Board of Directors approved the terms of a share-based long-term incentive programme for Pihlajalinna Group's senior management (LTI 2019). The incentive programme is effective from 1 January 2019 onwards and it is aimed at the CEO, the Management Team and other key employees selected for inclusion in the programme. In the initial stage, 25 key employees were selected for the programme. LTI 2019 includes an overall five-year plan period and none of the share rewards received by the key employees thereunder may be sold or transferred prior to the year 2022. The key employee shall, in addition, make an investment in Pihlajalinna shares as a precondition for participation in the programme. At the end of the investment period, i.e. 2019, 23 key employees fulfilled the minimum investment requirement of the scheme.

The fixed matching share plan includes a commitment period from the beginning of 2019 until the payment of the fixed matching share incentive in 2020. In this scheme, the company matches each participant's share investments with additional shares at a fixed rate. The additional shares will be delivered in 2020, and they are subject to a transfer restriction.

The performance- and quality-based matching share plan includes three one-year performance periods (the calendar years 2019–2021), during which the participants can earn performance-based additional shares, provided that the company reaches the performance objectives set by the Board of Directors. Based on each individual performance period, the participant can earn a maximum of two additional shares for three shares invested without consideration (gross before the deduction of the applicable payroll tax). The performance-based share rewards will be delivered after the respective performance periods in springs 2020, 2021 and 2022. These matching shares will be subject to a two-year transfer restriction.

The performance criteria applied to the performance- and quality-based matching share plan for the first performance period 2019 were the adjusted EBIT of Pihlajalinna Group and key operative and qualitative indicators. No performance- and quality-based share rewards materialised for the performance period 2019 pursuant to the matching share plan, as the minimum objectives set for the programme were not achieved.

The terms and conditions of the incentive scheme include special provisions for any change of control. Based on Mehiläinen's public tender offer, the above-mentioned provisions on change of control apply.

The LTI 2019 plan includes terms and conditions relating to change of control. According to them, the cash tender offer announced by Mehiläinen for all of the shares in Pihlajalinna on 5 November 2019 will result in the payment of the fixed matching share plan in full if the transaction is completed. The transfer restriction of the shares expires immediately when the outcome of the tender offer is announced in the execution of the tender offer.

According to the fixed matching share plan, a total of 108,000 matching shares fall due to the 23 key employees who met the investment requirement if the change of control takes place. The fair value of the matching shares is EUR 1.7 million in accordance with the cash tender offer. An expense of EUR 0.3 million has been allocated to the financial year 2019 due to the share-based reward to be paid due to the change of control.

6. Other operating expenses

EUR 1,000 2019 2018
Facility expenses -9,282 -8,408
Equipment and information
management expenses
-20,595 -18,557
Sales and marketing expenses -8,046 -7,623
Other expenses -12,282 -14,953
Total -50,205 -49,541
Auditor's fees
Auditing, BDO -100 -81
Auditing, KPMG Oy Ab -231 -251
Statements, KPMG Oy Ab -13 -18
Non-audit services, KPMG Oy Ab -3 -8
Total -347 -357

7. Depreciation, amortisation and impairment

Accounting policies

Property, plant and equipment will be depreciated using the straight-line method over their estimated economic useful lives. The estimated economic useful lives are as follows:

Buildings 10–25 years
Renovation expenses on real estate 5–10 years
Machinery and equipment 3–10 years
Other tangible assets 3–5 years

For the magnetic imaging equipment at new private clinics, the Group adopted a units-of-production based depreciation method effective from 1 January 2018. The amount of depreciation is based on the units of production derived

from the equipment. For the Group's other machinery and equipment, the Group still uses straight-line depreciation. As the utilisation rate of imaging capacity is low during the first years of a new operating location, the units-of-production method provides a more accurate reflection of the actual economic use of the magnetic imaging equipment in question.

For intangible assets with finite economic useful lives, the amortisation periods are as follows:

Trademarks 10 years
Development costs 3–10 years
Other intangible assets
Customer agreements 4 years
Patient database 4 years
Non-competition agreements 2–5 years
Intellectual property rights 3–7 years

Property, plant and equipment is depreciated on a straight-line basis over the shorter of economic useful life or lease term.

The planned depreciation periods of property, plant and equipment are as follows:

Right-of-use plots 25 years
Right-of-use buildings and business premises 1–15 years
Right-of-use equipment 3–10 years
Impairment is recognised pursuant to IAS 36 for onerous right
of-use buildings and business premises.
EUR 1,000 2019 2018
Depreciation, amortisation and impairment
by asset type
Intangible assets
Trademarks -776 -776
Capitalised development costs -790 -527
Other intangible assets related to purchase
price allocations
-3 784 -4 355
Other intangible assets -2 089 -1 473
-7 438 -7 131
Property, plant and equipment
Buildings -120 -52
Renovation expenses on real estate -2 119 -2 234
Machinery and equipment -5 440 -5 213
Other tangible assets -4 -4
-7 682 -7 503
Right-of-use assets
Right-of-use plots -125 -39
Right-of-use business premises
and buildings
-17 738 -15 581
Right-of-use business premises
and buildings, impairment
-3 189
Right-of-use equipment -1 480 -1 332
-22 532 -16 953
Total depreciation, amortisation and impairment -37 653 -31 586

8. Adjusted EBITDA and adjusted operating profit

Accounting policies

IAS 1 Presentation of Financial Statements does not provide a definition for the concept of EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortisation). The Group has defined it as follows: EBITDA is the net sum consisting of revenue plus other operating income less materials and services (adjusted with change in inventories), employee benefit expenses and other operating expenses.

IAS 1 Presentation of Financial Statements does not provide a definition for the concept of operating profit. The Group has defined it as follows: operating profit is the net sum consisting of revenue plus other operating income less materials and services, employee benefit expenses, depreciation, amortisation and any impairment losses, as well as other operating expenses. All income statement items other than those stated above are presented below operating profit.

Significant transactions that are not part of the normal course of business or are infrequently occurring, and valuation items that do not affect cash flow, are treated as items affecting comparability between reporting periods. According to Pihlajalinna's definitions, such items include, for example:

  • restructuring measures and Group refinancing
  • impairment of assets and/or remeasurement to fair value of pre-existing interest in acquiree
  • expenses arising from discontinuation of business activities and business locations, or gains and losses arising from divestments
  • expenses from restructuring of operations and integration of acquired businesses
  • dismissal-related expenses
  • fines and corresponding compensation payments

Pihlajalinna does not recognise adjustments affecting comparability for the following items:

  • transfer taxes and expert fees related to acquisitions, and
  • purchase price allocation amortisation of intangible assets (PPA amortisation).

The reconciliation calculations for adjusted EBITDA and adjusted operating profit and the justifications for their presentation are as follows:

EBITDA indicates how much is left of the company's revenue after deducting operating expenses. Assessments of whether EBITDA is sufficiently high should take into account the company's financial expenses, depreciation requirements and intended profit distribution. Adjusted EBITDA provides significant additional information on profitability by eliminating items that do not necessarily reflect the profitability of the company's operative business. Adjusted EBITDA improves comparability between periods and is frequently used by analysts, investors and other parties.

The Group's CEO and Management Team monitor and forecast adjusted EBITDA and adjusted operating profit.

EUR 1,000 2019 2018
47,844 44,826
42
-964
3,019 565
-47
281 1,192
1,845
1,843
296 296
7,284 1,083
55,127 45,909
37,653 31,586
3,337 119
3,337 119
10,621 1,203
20,812 14,442
10,191 13,240
120 122
-4,047 -3,890
-1,784 -2,717
4,480 6,754
1,845
-1,011
3,566 565
1,873 1,530
7,284 1,083
3,337 119
10,621 1,203

9. Financial income

EUR 1,000 2019 2018
Dividend income from
available-for-sale financial assets
11 12
Interest income from loans
and receivables
90 94
Interest income from subleases 2 4
Other financial income 17 12
Total 120 122
EUR 1,000 2019 2018
Interest expenses from financial
liabilities carried at
amortised cost
-1,772 -1,441
Interest expenses on lease
liabilities
-1,864 -1,936
Other financial expenses -411 -512
Total -4,047 -3,890

11. Income taxes

Accounting policies

The income taxes on the consolidated income statement consist of current tax, adjustments to taxes for previous periods, and deferred taxes. Taxes are recognised in profit or loss, except when they are directly attributable to items recognised under equity or other comprehensive income. In such cases, also the tax is recognised under the item in question. Current tax is calculated on taxable profit, based on the enacted tax rate. Tax is adjusted with any taxes associated with prior financial years. Any penal interests related to said taxes are recognised under financial expenses. The share of associates' profit is presented in the statement of comprehensive income as calculated from net profit and thus including the income tax charge.

EUR 1,000 2019 2018
Current taxes -4,110 -4,953
Taxes for the previous financial years -11 -104
Deferred taxes:
Origination and reversal of
temporary differences
2,337 2,340
Total -1,784 -2,717

Reconciliation of effective tax rate

EUR 1,000 2019 2018
Profit before taxes 6,264 9,472
Taxes calculated on the basis
of the Finnish tax rate (20%)
-1,253 -1,894
Income not subject to tax 2 4
Non-deductible expenses -64 -575
Unrecorded deferred tax
assets from tax losses
-550 -6
Utilised prior losses with
unrecognised tax benefits
51 32
Share of associated company's
profit
0 1
Fair value measurement of
contingent consideration
-56 -238
Previous holding measured
at fair value
0 199
Reversal of unused replacement
reserve
0 -221
Other items 97 85
Taxes for prior financial years -11 -104
Taxes in the income statement -1,784 -2,717
Effective tax rate -28.5 % -28.7 %

Accounting policies

Earnings per share is calculated by dividing the profit for the financial year attributable to owners of the parent by the weighted average number of shares outstanding during the financial year.

Earnings per share for the financial year attributable to owners of the parent are calculated by dividing the profit for the financial year attributable to owners of the parent by the weighted average number of shares outstanding during the financial year. The parent company does not have dilutive instruments.

2019 2018
Profit for the financial year attributa
ble to owners of the parent, EUR
3,365,143.62 3,474,716.01
Number of shares outstanding,
weighted average
22,620,135 22,224,236
Earnings per share (EPS), EUR/share 0.15 0.16

Accounting policies

Property, plant and equipment are measured at cost less accumulated depreciation and impairment losses. Cost includes expenditures incurred directly from the acquisition of an item of property, plant and equipment. Costs incurred subsequently are included in the carrying amount of an asset only if it is deemed probable that any future economic benefits related to the asset will flow to the Group and that the cost of the asset can be reliably determined. Other repair and maintenance costs will be expensed at the time they are incurred.

The residual value, the useful life of an asset and the depreciation method applied are reviewed at least at the end of each financial year and adjusted as necessary to reflect the changes in the expectations concerning the economic benefits attached to the asset. Capital gains generated from decommissioning and disposing of property, plant and equipment are included under other operating income, and capital losses are included under other operating expenses.

Assets are depreciated from the time when they are ready for use; i.e. when their location and condition allow them to be applied as intended by the management.

In 2018, the Group opened private clinics in Turku, Oulu and Seinäjoki. The Group acquired 3 Tesla high-field magnetic imaging equipment for the clinics in Oulu and Turku and a 1.5 Tesla high-field magnetic imaging device for the clinic in Seinäjoki. For the magnetic imaging equipment at these green field private clinics, the Group adopted a units-of-production based depreciation method effective from 1 January 2018. The amount of depreciation is based on the units of production derived from the magnetic imaging equipment. For the Group's other machinery and equipment, the Group still uses straightline depreciation. As the utilisation rate of imaging capacity is very low during the first years of a new operating location, the units-of-production method provides a more accurate reflection of the actual economic use of the magnetic imaging equipment in question than straight-line depreciation.

Renovation
expenses on
Shares in
real estate
Machinery
and equip
Other
tangible
Construction in
EUR 1,000 Land areas Buildings real estate companies ment assets progress Total
Cost at 1 January 2019 105 1,714 24,656 5,572 46,051 172 1,446 79,716
Additions 2,235 645 7 7,691 9 7,793 18,381
Business combinations 13 13
Transfers between items 0 5,730 1,571 1,254 -1 -7,009 1,544
Disposals -69 -168 -268 -1,773 0 -7 -2,285
Cost at 31 December 2019 36 9,512 26,604 5,579 53,237 179 2,223 97,369
Accumulated depreciation at
1 January 2019
0 -308 -11,504 -24,614 -9 0 -36,434
Depreciation and amortisation -119 -2,119 -5,440 -4 0 -7,682
Transfers between items 0 -321 -1,209 1 0 -1,529
Disposals 23 266 1,225 0 0 1,514
Accumulated depreciation at
31 December 2019
-404 -13,678 -30,038 -12 0 -44,132
Carrying amount at
1 January 2019
105 1,406 13,151 5,572 21,437 163 1,446 43,281
Carrying amount at
31 December 2019
36 9,108 12,925 5,579 23,199 167 2,223 53,237

BUSINESS AND RESPONSIBILITY STRATEGY

PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

PIHLAJALINNA BUSINESS AND RESPONSIBILITY
2019 STRATEGY

INFORMATION FOR SHAREHOLDERS

EUR 1,000 Goodwill Trademarks Develop
ment costs
Other intangible
assets related to
purchase price
allocations
Other intangible
assets
Pre-payments Total
Cost at 1 January 2019 169,927 7,762 5,206 21,513 12,707 245 217,362
Additions 549 2,006 1,010 3,565
Business combinations 3,680 0 69 7 0 3,756
Transfers between items 212 773 -808 177
Disposals -95 -5 -99
Cost at 31 December 2019 173,607 7,762 5,967 21,582 15,400 443 224,763
Accumulated depreciation at
1 January 2019
-3,926 -1,343 -13,341 -5,910 -24,521
Depreciation and amortisation -776 -790 -3,784 -2,089 -7,438
Transfers between items -216 -216
Disposals 104 104
Accumulated depreciation at
31 December 2019
-4,702 -2,132 -17,125 -8,111 -32,071
Carrying amount at
1 January 2019
169,927 3,836 3,864 8,173 6,797 245 192,841
Carrying amount at 31
December 2019
173,607 3,060 3,834 4,457 7,290 443 192,692
Development Other intangible assets
related to purchase
Other
intangible
Pre
EUR 1,000 Goodwill Trademarks costs price allocations assets payments Total
Cost at 1 January 2018 103,893 7,762 3,813 13,826 8,388 119 137,802
Additions 1,344 3,602 431 5,377
Business combinations 66,034 49 7,687 359 74,130
Transfers between items 361 -305 56
Disposals -3 -3
Cost at 31 December 2018 169,927 7,762 5,206 21,513 12,707 245 217,362
Accumulated depreciation at
1 January 2018
-3,150 -816 -8,986 -4,353 -17,305
Depreciation and amortisation -776 -527 -4,355 -1,473 -7,131
Accumulated depreciation at
31 December 2018
-3,926 -1,343 -13,341 -5,910 -24,521
Carrying amount at
1 January 2018
103,893 4,613 2,997 4,840 4,036 119 120,496
Carrying amount at
31 December 2018
169,927 3,836 3,864 8,173 6,797 245 192,841

Allocation of goodwill

Accounting policies

Goodwill created through business combinations is allocated to cash-generating units (CGUs). Pihlajalinna's operating structure has changed compared to that of 2018. Instead of four

Goodwill generated through business combinations is measured at the amount by which the consideration transferred, noncontrolling interests in the acquiree and previously owned holding combined exceed the fair value of the acquired net assets. Goodwill is not amortised but is tested for impairment at least once per year. geographical business areas, teh Group has a Chief Operating Officer (COO) responsible for the entire Group's business operations and service offering to both the private and public sectors. The COO is responsible for preparing the Group businesses' budgets and managing the area's resources, investments and profitability. The COO is supported by joint support services.

EUR 1,000 Land areas Buildings Renovation
expenses on
real estate
Shares in
real estate
companies
Machinery
and equip
ment
Other
tangible
assets
Construction in
progress
Total
Cost at 1 January 2018 88 1,317 16,111 4,015 32,526 162 5,827 60,046
Additions 25 397 2,405 1,127 10,911 2 2,089 16,957
Business combinations 1,321 430 2,049 8 0 3,809
Transfers between items -9 0 5,237 1,602 0 -6,470 360
Disposals 0 -419 -1,037 0 0 -1,456
Cost at 31 December 2018 105 1,714 24,656 5,572 46,051 172 1,446 79,716
Accumulated depreciation at
1 January 2018
0 -257 -9,484 -20,012 -5 0 -29,759
Depreciation and amortisation -51 -2,234 -5,213 -4 0 -7,502
Transfers between items -205 -124 0 0 -329
Disposals 419 735 0 0 1,154
Accumulated depreciation at
31 December 2017
-308 -11,504 0 -24,614 -9 0 -36,434
Carrying amount at
1 January 2018
88 1,060 6,627 4,015 12,513 156 5,827 30,287
Carrying amount at
31 December 2018
105 1,406 13,151 5,572 21,437 163 1,446 43,281

14. Intangible assets

Accounting policies

Goodwill

Goodwill generated through business combinations is measured at the amount by which the consideration transferred, noncontrolling interests in the acquiree and previously owned holding combined exceed the fair value of the acquired net assets. Goodwill generated through business combinations is measured at the amount by which the consideration transferred, noncontrolling interests in the acquiree and previously owned holding combined exceed the fair value of the acquired net assets.

Goodwill is not amortised but tested annually for impairment, and whenever there is an indication that the asset may be impaired. For this purpose, goodwill is allocated to cashgenerating units (CGUs). Goodwill is measured at original cost less accumulated impairment.

Capitalised development costs

Assets are amortised from the time when they are ready for use. Assets that are not yet available for use are tested annually for impairment. Subsequent to their initial recognition, capitalised development costs are measured at cost less accumulated

amortisation and impairment. The amortisation period for development costs is 3 to 10 years, during which capitalised development costs are amortised using the straight-line method.

The Group's capitalised development costs that have not been amortised are associated with the following projects:

  • New operating model for fixed-price occupational healthcare agreements and a related occupational healthcare portal
  • Renewal of primary care service models, involving remote service models for municipal residents and mobile solutions (social and healthcare service centre concept) • Sports clinic concept
  • Pihlajalinna mobile application and website development with the aim of making AI-assisted digital services available to all customers.
  • Specialised care referral forwarding and coordination operating model developed for the Parkano social and healthcare partnership area
  • Takeover of social and healthcare services in Mänttä-Vilppula and the development of operating models
  • The three-year SYKKI project, funded with Tekes subsidies, aimed at creating an effective and cost-efficient model for public social and healthcare services

Other intangible assets include licences and computer software. In business combinations, customer agreements and related customer relationships as well as non-competition agreements and certificates have been allocated.

BUSINESS AND RESPONSIBILITY

STRATEGY PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

EUR 1,000 2019

Tested goodwill in total on 31 October 2019 173,607
Goodwill as per the statement of financial position at
the end of the financial year on 31 December 2019
173,607
The carrying amounts of goodwill were allocated to the
business areas as follows in the testing for goodwill in 2018:
2018
Southern Finland 90,313
Mid-Finland 60,853
Goodwill as per the statement of financial position at
the end of the financial year on 31 December 2018
169,927
Achievement of control in Dextra Lapsettomuusklinikka Oy
Acquisition of Terveyspalvelu Verso Oy on
28 December 2018
6,344
Re-estimation of initial acquisition cost and contingent
consideration during the measurement period
-14
Tested goodwill in total on 30 November 2018 163,596
Northern Finland 7,686
Ostrobothnia 4,744

For the 2018 financial year, goodwill testing was carried out without the effects of IFRS 16 Leases on the consolidated income statement, statement of financial position and calculation of discount rate.

Impairment testing of cash-generating units that include goodwill

Accounting policies

If indications of amortisation or impairment exist, the asset's recoverable amount is estimated. The recoverable amount is also estimated annually in conjunction with the closing of the books for the following assets regardless of whether or not there are indications of impairment: goodwill and intangible assets not yet available for use.

The need to recognise an impairment loss is assessed at the level of CGUs, or in other words, at the lowest level of units that are mainly independent of other units and whose cash flows are separable and largely independent of the cash flows of other corresponding units. A CGU is the lowest such level in the Group whose goodwill is monitored for internal management purposes. Such corporate assets that serve a number of CGUs and do not generate a separate cash flow have been attributed to CGUs and are tested as part of the relevant CGU.

The recoverable amount is the fair value of an asset less costs of disposal or the asset's value-in-use, whichever is greater. The value-in-use is understood as the future net cash flows expected to be derived from the asset or the CGU in question, discounted to their present value. The discount rate applied is the pre-tax rate, which reflects current market assessments of the time value of money and particular risks associated with the asset.

An impairment loss is recognised when the carrying amount of an asset is larger than its recoverable amount. An impairment loss is recognised immediately in profit or loss. If the impairment loss is attributable to a CGU, it is first allocated to decrease the goodwill allocated to the said CGU and then to decrease the carrying amount of the unit's other assets on a pro rata basis. When an impairment loss is recognised, the useful life of the asset to which the depreciation or amortisation is allocated is

re-estimated. An impairment loss recognised on an asset other than goodwill is reversed in case a change has occurred in the estimates used for determining the asset's recoverable amount. However, an impairment loss shall not be reversed to an extent larger than what the carrying amount of the asset would be excluding the recognition of the impairment loss. An impairment loss recognised on goodwill is not reversed in any situation.

Key accounting estimates and decisions based on management judgement

The recoverable amounts of the CGUs are based on valuein-use calculations prepared by using discounted cash flow forecasts. The cash flow forecasts are based on the budget for 2020 approved by the Board of Directors, and the cash flow estimates for 2021–2024 are based on the Head of Business Operations' estimates of the growth and profitability of the business. Cash flows arising beyond the forecast period approved by the management are capitalised using a stable 2% growth rate.

The discount rate used in the calculations is determined using the weighted average cost of capital (WACC), which describes the total cost of equity and liabilities, taking into account the asset-specific risks. The discount rate is a pre-tax rate. The adoption of the IFRS 16 Leases standard had an effect on the calculation of the discount rate due to the changed capital structure.

The growth rate of 2% used in the calculation of the terminal value is in line with the sector's actual long-term growth. The testing period is five (5) years.

Other key assumptions used in goodwill testing:

Discount rate
(pre tax WACC)
Discount rate
(after tax WACC)
2019
Entire Group 6.82 % 5.84 %
2018
Southern Finland 8.50 % 7.18 %
Mid-Finland 8.50 % 7.18 %
Ostrobothnia 8.50 % 7.18 %
Northern Finland 8.14 % 7.18 %
2019 The terminal period's share of the
amount of expected cash flows:
Entire Group 79 %
2018
Southern Finland 71 %
Mid-Finland 73 %
Ostrobothnia 73 %
Northern Finland 81 %
2019 Revenue growth
during the
Profitability
growth during the
Entire Group testing period
1.0 %
testing period
0.0 %
2018
Southern Finland 3.0 % 6.0 %
Mid-Finland 1.0 % 2.4 %
Ostrobothnia 3.0 % 3.0 %
Northern Finland 15.0 % 13.2 %

In impairment testing, the growth of revenue and profitability is based on presumed organic growth in normal market conditions, the general development of the social and healthcare services market and the operative management's views.

Sensitivity analyses in impairment testing

Based on the testing calculations, there is no need to recognise impairment. The recoverable amounts of the cash-generating units exceeded their combined carrying amounts.

The occurrence of any of the following changes, ceteris paribus, would lead to the carrying amount of the assets being equal to its recoverable amount:

Decline in Decline in Increase in
EBIT margin volume discount rate
2019
Entire Group more than 5 more than 34 more than 7
percentage percentage percentage
points points points
2018
Southern
Finland
more than 1
percentage
point
more than 12
percentage
points
more than 1
percentage
point
Mid-Finland more than 5 more than 50 more than 14
percentage percentage percentage
points points points
Ostrobothnia more than 5 more than 68 more than 70
percentage percentage percentage
points points points
Northern
Finland
more than 1
percentage
point
more than 12
percentage
points
more than 1
percentage
point

In assessing the recoverable amounts of the CGUs, taking the aforementioned into consideration, the management estimates that no reasonably probable change in any key variable would lead to a situation where the units' recoverable amounts would be lower than their carrying amounts.

15. Right-of-use assets

Accounting policies

Pihlajalinna adopted the new IFRS 16 Leases standard fully retrospectively on 1 January 2019.

Most of the Pihlajalinna rental arrangements in line with the IFRS 16 are leases for business premises. The other lease arrangements in line with the standard concern land areas, machinery and equipment (exercise equipment, clinical equipment, cars and other equipment). Pihlajalinna applies the IFRS 16 exemption that allows lessees to elect not to recognise a right-of-use asset and corresponding lease liability for assets with a lease term of 12 months or less as well as assets of low value. Assets of low value include, for example, IT equipment and office furniture. Furthermore, to make the accounting of leases easier, Pihlajalinna elects not to separate service components from leases, instead treating the entire agreement as a lease in its consolidated financial statements. For lease arrangements valid until further notice, with a short notice period, Pihlajalinna will estimate the probable lease term.

Right-of-use assets are measured at cost, which includes the following items:

  • original amount of the lease liability
  • direct expenses of the initial phase and
  • expenses due to restoring to original condition
EUR 1,000 Right-of-use plots Right-of-use buildings and business premises Right-of-use equipment Total
Cost at 1 January 2019 383 157,488 4,587 162,458
Additions 179 12,678 1,649 14,505
Business combinations 3,326 476 3,802
Disposals -7,292 -809 -8,101
Cost at 31 December 2019 561 166,200 5,903 172,664
Accumulated depreciation at -162 -43,774 -2,552 -46,487
1 January 2019
Depreciation and amortisation -125 -17,738 -1,480 -19,343
Impairment -3,189 -3,189
Disposals 4,138 326 4,464
Accumulated depreciation at -287 -60,562 -3,706 -64,555
31 December 2019
Carrying amount at 221 113,714 2,035 115,970
1 January 2019
Carrying amount at
31 December 2019
274 105 638 2 197 108 109

PIHLAJALINNA BUSINESS AND RESPONSIBILITY
2019 STRATEGY

16. Other non-current receivables

EUR 1,000 2019 2018
Lease deposits paid 1,764 1,800
Non-current subleases 211
Total 1,975 1,800

17. Trade and other receivables

Accounting policies

At the end of each reporting period, the Group assesses whether or not there is objective evidence of impairment regarding any individual financial asset. Objective evidence of impairment of loans and other receivables includes significant financial distress of the debtor and payments being delinquent or substantially delayed. Impairment of loans is recognised in financial expenses in the income statement and impairment of other receivables is recognised in other operating expenses for the period in which the impairment was identified.

Following the adoption of IFRS 9, the Group recognises a credit loss provision based on expected credit losses. The expected credit loss model is based on the amount of historical credit losses. The lifetime expected credit losses are calculated by multiplying the gross carrying amount of unpaid trade receivables by the expected loss.

The carrying amount of trade receivables and other receivables corresponds to the maximum credit risk involved at the end of the reporting period. The Group recognised EUR 228 thousand (EUR 333 thousand) in impairment losses on trade receivables during the financial year.

EUR 1,000 2019 2018 Impair Impair
Trade receivables 30,492 26,582 ment Net ment Net
Prepayments and accrued income 13,260 11,022 EUR 1,000 2019 losses 2019 2018 losses 2018
Current subleases 112 0 18,114 -17 18,096 16,847 16,847
Other receivables 2,198 320 Past due
Total 46,062 37,923 Less than
30 days
3,105 -13 3,092 2,822 2,822
30–60 days 1,784 -63 1,721 573 573
The carrying amount of trade receivables and other receivables 61–90 days 644 -124 519 450 450
corresponds to the maximum credit risk involved at the end of More than 7,520 -457 7,063 6522 -633 5,889
the reporting period. The Group recognised EUR 228 thousand 90 days
(EUR 333 thousand) in impairment losses on trade receivables Total 31,166 -674 30,492 27,214 -633 26,582

Ageing analysis of trade receivables

EUR 1,000 2019 2018
Credit loss provision at 1 January 633 247
Credit losses recorded 228 351
Credit loss provision, used -220 -198
Credit loss provision, increase 33 233
Credit loss provision at 31 December 674 633
EUR 1,000 Right-of-use plots Right-of-use buildings and business premises Right-of-use equipment Total
Cost at 1 January 2018 384 100,388 1,925 102,698
Additions 24,673 589 25,261
Business combinations 32,427 2,073 34,500
Disposals -1 -1
Cost at 31 December 2018 383 157,488 4,587 162,458
Accumulated depreciation at
1 January 2018
-123 -28,193 -1,219 -29,535
Depreciation and amortisation -39 -15,581 -1,332 -16,953
Accumulated depreciation at
31 December 2018
-162 -43,774 -2,552 -46,487
Carrying amount at
1 January 2018
261 72,196 706 73,162
Carrying amount at
31 December 2018
221 113,714 2,035 115,970

Short-term leases and minor leases to which the Group applies the practical exemptions provided by IFRS 16 totalled EUR 980 thousand. Lease liabilities relating to right-of-use items are specified in Note 23 Financial liabilities.

Key accounting estimates and decisions based on management judgement

Determining the annual profitability of the Group's complete social and healthcare services outsourcing agreements may become accurate with a delay. The Group may not always be aware of the actual costs of the agreements at the time of preparing the financial statements, and the agreements may involve variable consideration. The cost accumulation of public specialised care involves random fluctuation. In addition, individual cases falling within the scope of the hospital districts' pooling system for high-cost care and operational economy surplus refunds may influence the costs of specialised care considerably during the financial year, and between financial periods, in Pihlajalinna's municipal companies.

The City of Jämsä has taken legal action against Jämsän Terveys Oy over the service agreement. The dispute concerns the provision on price adjustments pursuant to the service agreement. The difference of opinion regarding the determination of the annual price totalled approximately EUR 1.8 million at the time of the financial statements. Moreover, Jämsän Terveys Oy has other receivables amounting to a total of EUR 3.1 million from the City of Jämsä, associated with the increases costs of specialised care and increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full.

Kuusiolinna Terveys Oy has trade and other receivables totalling EUR 4.5 million from a client. The protocol on interpretation signed with the municipalities of Alavus, Ähtäri and Soini in conjunction with the share transactions also agreed on the principles of charging the variable consideration. The outstanding receivables are associated

with increased regulatory requirements for services for senior citizens, costs of specialised care and the calculation of net expenditure. A share transaction has not yet been completed with Kuortane, and no corresponding protocol on interpretation has been signed. According to the management's estimate, the client will pay the receivables in full, as the majority of the client's shareholders have agreed on the charging principles.

Mäntänvuoren Terveys Oy has trade and other receivables totalling EUR 1.2 million from a client. The receivables are associated with increased regulatory requirements for services for senior citizens and the calculation of net expenditure pursuant to the previous agreement. A social and healthcare service property transaction that will be completed in 2020 has been agreed upon with the client. According to the management's estimate, the customer will pay the receivables in full in conjunction with the completion of the property transaction.

Kolmostien Terveys Oy has trade and other receivables of EUR 0.4 million from a client relating to the increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full.

On the date of the financial statements, the Group's receivables include a total of EUR 1.6 million (EUR 2.8 million at the end of 2018) in service provider refunds for public sector specialised care cost accruals, estimated on a municipality-specific basis. According to the group management's view, under the service agreements, the refunds of cost accruals are payable to Pihlajalinna because they were accumulated during Pihlajalinna's service provision and liability for costs. In addition, the group has a total of EUR 0.2 million of overdue receivables from Kihniö and Juupajoki.

PARTNERSHIP REPORT BY THE BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

profit nor taxable profit. Whether or not deferred tax assets can be recognised in this respect is always estimated at the end of each reporting period.

The Group shall offset deferred tax assets and liabilities where these relate to the same taxation authority and the same taxable entity.

Changes in deferred taxes during 2019:

EUR 1,000
Deferred tax assets
1.1.2019 Recognised in
profit and loss
Recognised in
equity
Subsidiaries
acquired
31.12.2019
Tax losses carried forward confirmed by tax authorities 1,793 224 2,017
Liability to holders of Series B shares 1,314 242 1,557
Sales proceeds from sale and leaseback arrangements 313 -30 283
Provisions 942 942
Share-based incentive scheme 53 53
IAS 37 contingent asset 369 369
Effect of IFRS 16 317 135 452
Other items 325 8 333
Deferred tax assets on the statement of financial position 4,063 1,943 6,006
Deferred tax liabilities
Property, plant and equipment and intangible assets 3,496 474 3,969
Recognition of property, plant and equipment and intangi
ble assets at fair value in business combinations
2,402 -912 13 1,503
Effect of IFRS 16 108 84 192
Other items 100 -39 61
Deferred tax liabilities on the statement of financial position 6,105 -394 13 5,726
Changes in deferred taxes during 2018:
EUR 1,000 Recognised in Recognised in Subsidiaries
EUR 1,000 Recognised in Recognised in Subsidiaries
Deferred tax assets t 1.1.2018 profit and loss equity acquired 31.12.2018
Tax losses carried forward confirmed by tax authorities 483 1,310 1,793
Liability to holders of Series B shares 1,215 99 1,314
Sales proceeds from sale and leaseback arrangements 343 -30 313
Effect of IFRS 16 356 -39 317
Other items 184 -123 264 325
Expenses arising from directed share issue -11 11 0
Deferred tax assets on the statement of financial position 2,582 1,206 11 264 4,063
Deferred tax liabilities
Property, plant and equipment and intangible assets 2,711 784 3,496
Replacement reserve for business premises 814 -814
Recognition of property, plant and equipment and intangi
ble assets at fair value in business combinations
1,891 -1,026 1,538 2,402
Effect of IFRS 16 244 -136 108
Other items 43 57 100
Deferred tax liabilities on the statement of financial position 5,702 -1,135 1,538 6,105
EUR 1,000 Recognised in Recognised in Subsidiaries
Deferred tax assets t 1.1.2018 profit and loss equity acquired 31.12.2018
Tax losses carried forward confirmed by tax authorities 483 1,310 1,793
Liability to holders of Series B shares 1,215 99 1,314
Sales proceeds from sale and leaseback arrangements 343 -30 313
Effect of IFRS 16 356 -39 317
Other items 184 -123 264 325
Expenses arising from directed share issue -11 11 0
Deferred tax assets on the statement of financial position 2,582 1,206 11 264 4,063
Deferred tax liabilities
Property, plant and equipment and intangible assets 2,711 784 3,496
Replacement reserve for business premises 814 -814
Recognition of property, plant and equipment and intangi
ble assets at fair value in business combinations
1,891 -1,026 1,538 2,402
Effect of IFRS 16 244 -136 108
Other items 43 57 100
Deferred tax liabilities on the statement of financial position 5,702 -1,135 1,538 6,105
Available tax losses Tax values recorded Tax values not recorded
Tax losses 2019 2018 2019 2018 2019 2018
Maturing within five years 2,296 2,886 459
Maturing later than within five years 15,771 11,660 2,017 1,794 1,137 1,116
Total 18,066 14,546 2,017 1,794 1,596 1,116
Taxes calculated on the basis of the Finnish tax rate (20%) 3,613 2,909

The recognition of deferred tax assets on the statement of financial position is justified when the Group is likely to accrue taxable income against which the losses in question can be used before they expire in line with the prudence principle. The Group will primarily apply for the right to deduct all confirmed losses of its acquired subsidiaries. The Tax Authority has granted the right to deduct confirmed losses in spite of changes in ownership.

Material items included under

EUR 1,000 2019 2018
Sales and income accruals 5,886 3,923
Personnel expenses 1,452 3,463
Expenses paid in advance 3,734 1,935
Other 2,189 1,700
Total 13,260 11,022

The carrying amounts of the receivables correspond substantially to their fair values.

18. Provisions

Accounting policies

A provision is recognised when the Group has a legal or constructive obligation resulting from a past event, when it is probable that the payment obligation will materialise and when the amount of the obligation can be reliably estimated. The amount recognised as a provision equals the best estimate of the costs required to fulfil the present obligation on the date of the financial statements.

A restructuring provision is recognised when the Group has in place a detailed plan for such restructuring and its implementation has commenced or the interested parties have been informed of the main points of such a plan.

The Group recognises a provision for onerous contracts when the expected benefits to be derived from a contract are less than the unavoidable expenses of meeting the obligations under the contract.

A restoration provision is recognised when the Group has a contractual obligation or decision to restore business premises to a certain condition as required by an agreement or decision at the termination of a lease or when business requirements change. The Group has recognised restoration provisions relating to its premises and provisions for onerous contracts related to vacant business premises.

EUR 1,000 2019 2018
Current provisions 1,636 302
Non-current provisions 170
Total 1,806 302
Premises
restoration
Restruc
provision Onerous
contracts
turing
provision
Total
433 396 829
330 330
-94 -94
-763 -763
302 302
1,843 3,019 4,862
-786 -2,571 -3,357
1,359 448 1,806

In June 2019, the group launched an efficiency improvement programme to achieve annual cost savings of approximately EUR 17 million. The reduction in costs for the past financial year achieved through the efficiency improvement programme are estimated to be approximately EUR 5 million. A non-recurring expense of EUR 4.2 million was recorded due to the efficiency improvement programme, consisting of a restructuring provision of EUR 2.4 million and a provision of EUR 1.8 million concerning sales agreements that have been identified onerous.

19. Trade and other payables

EUR 1,000 2019 2018
Trade payables 18,573 18,789
Accrued liabilities 69,373 49,049
Pre-payments 1,069 897
Other liabilities 12,986 10,759
Total 102,002 79,494
Material items included under Accrued liabilities:
Total 69,373 49,049
Other accrued liabilities 51 968
Financial items 165 114
Allocation of purchase invoices 7,306 7,446
Allocation of sales 65 1,795
Doctor's fee liability 7,658 6,350
Purchase price of Kuusilinna Terveys Oy and
Mäntänvuoren Terveys Oy shares
18,598
Wages and salaries and social security payments 35,531 32,375

20. Deferred tax assets and liabilities

Accounting policies

Deferred taxes are calculated on temporary differences between the carrying amount and the tax base. However, a deferred tax liability shall not be recognised on the initial recognition of goodwill, or on the initial recognition of an asset or liability in a transaction which is a business combination and, at the time of transaction, affects neither accounting profit nor taxable profit.

In the Group, the most significant temporary differences result from depreciation and amortisation of property, plant and equipment and intangible assets, unpaid dividends based on work contributions, fair value-based adjustments made in connection with business combinations, and unused tax losses.

Deferred taxes are calculated by applying tax rates enacted or substantively enacted by the end of the reporting period.

A deferred tax asset is only recognised to the extent that it is probable that taxable profit will be available against which the temporary difference can be utilised. However, a deferred tax asset is not recognised if it arises from the initial recognition of an asset or liability in a transaction that is not a business combination and, at the time of the transaction, affects neither accounting

BUSINESS AND RESPONSIBILITY

STRATEGY PIHLAJALINNA

2019

BUSINESS AND RESPONSIBILITY STRATEGY

INFORMATION FOR SHAREHOLDERS

PIHLAJALINNA 2019

EUR 1,000
31.12.2019
Note Fair value
hierarchy
Fair value through
profit or loss
Amortised
cost
Total carrying
amounts
Fair values
total
Non-current financial assets
Other shares and participations level 3 146 146 146
Lease deposits 16 level 2 1,764 1,764 1,764
Current financial assets
Trade receivables 17 30,492 30,492 30,492
Other receivables 17 level 2 2,198 2,198 2,198
Cash and cash equivalents 27,004 27,004 27,004
Total 146 61,458 61,604 61,604
Carrying amounts of financial liabilities
Non-current financial liabilities
Loans from financial institutions 23 level 2 103,182 103,182 103,182
Lease liabilities 23 level 2 96,404 96,404 96,404
Other liabilities 23 level 2 681 681 681
Current financial liabilities ,
Loans from financial institutions 23 level 2 1,193 1,193 1,193
Cheque account with credit limit 23 501 501 501
Lease liabilities 23 level 2 17,747 17,747 17,747
Contingent consideration 27 level 3 1,397 1,397 1,397
Trade and other payables 19 26,357 26,357 26,357
Total 1,397 246,064 247,460 247,460
EUR 1,000
31.12.2018
Note Fair value
hierarchy
Fair value through
profit or loss
Amortised
cost
Total carrying
amounts
Fair values
total
Non-current financial assets
Other shares and participations level 3 139 139 139
Lease deposits 16 level 2 1,800 1,800 1,800
Current financial assets
Trade receivables 17 26,582 26,582 26,582
Other receivables 17 level 2 320 320 320
Cash and cash equivalents 36,316 36,316 36,316
Total 139 65,018 65,157 65,157
Carrying amounts of financial liabilities
Non-current financial liabilities
Loans from financial institutions 23 level 2 93,627 93,627 93,627
Lease liabilities 23 level 2 101,998 101,998 101,998
Other liabilities 23 level 2 720 720 720
Contingent consideration 27 level 3 1,348 1,348 1,348
Current financial liabilities ,
Loans from financial institutions 23 level 2 1,493 1,493 1,493
Cheque account with credit limit 23 0 0 0
Lease liabilities 23 level 2 16,504 16,504 16,504
Contingent consideration 27 level 3 1,465 1,465 1,465
Trade and other payables 19 25,357 25,357 25,357
Total 2,812 239,699 242,511 242,511

Fair value assessment

Financial assets and liabilities recognised at fair value on the consolidated statement of financial position are classified according to their valuation-based hierarchy levels and measurement methods as follows:

Fair value hierarchy levels

Level 1: Fair values are based on quoted prices in active markets for identical assets and liabilities. The Group has no financial assets or liabilities measured according to level 1 of the hierarchy.

Level 2: The fair value is determined using valuation methods. The financial assets and liabilities are not subject to trading in active and liquid markets. The fair values can be determined based on quoted market prices and deduced valuation.

The carrying amount of the trade receivables and financial assets essentially corresponds to their fair value, as the effect of discounting is not significant taking the maturity of the receivables into consideration.

The fair values of lease liabilities are based on discounted cash flows. The fair values of loans essentially correspond to their carrying amount since they have a floating interest rate and the Group's risk premium has not materially changed.

The carrying amount of other financial liabilities essentially corresponds to their fair value, as the effect of discounting is not significant taking the maturity of the receivables into consideration.

of shares in unlisted companies. Contingent considerations are measured at value at the time of acquisition. More information on contingent considerations is presented in Note 27 Business combinations.

Accounting policies

The Group classifies all instruments it issues either as an equity instrument or a financial liability, depending on their nature. Equity instruments are any contracts evidencing a residual interest in the assets of the company after deducting all of its liabilities. Costs relating to the issue or purchase of equity instruments are presented as a deduction from equity.

Level 3: The fair value is not based on verifiable market information, and information on other circumstances affecting the value of the financial asset or liability is not available or verifiable. The Group's other shares and participations consist solely The reserve for invested unrestricted equity contains other equity-like investments and the share subscription price to the extent that this is not entered in share capital under a specific decision.

Reconciliation of the number of shares

EUR 1,000 Number of
shares
Share
capital
Reserve for
invested
unrestricted
equity
Total
31.12.2018 22,620,135 80 116,520 116,600
31.12.2019 22,620,135 80 116,520 116,600

Pihlajalinna has one share series, with each share entitling its holder to one vote at a General Meeting of shareholders. The company's shares have no nominal value. All shares bestow their holders with equal rights to dividends and other distribution of the company's assets.

Reserve for invested unrestricted equity

21. Financial assets and liabilities by measurement category

Accounting policies

When a financial asset or liability is recognised on the transaction date, the Group measures it at its acquisition cost, which is equal to the fair value of the consideration given or received.

Financial assets

For the purpose of measurement after initial recognition, the Group's financial assets are classified as financial assets measured at amortised cost and financial assets measured at fair value through profit or loss. The Group has no financial instruments classified as derivatives nor financial assets measured at fair value through other comprehensive income. Financial assets are derecognised when the Group has lost its contractual right for the financial assets in question or has transferred substantially all risks and rewards outside the Group.

The Group's trade receivables, loan receivables, lease deposits and cash and cash equivalents have been classified at the time of IFRS 9 adoption as financial assets measured at amortised cost using the effective interest method, taking any impairment into account.

Financial assets measured at fair value through profit or loss consist of quoted and unquoted shares. The Group has no holdings of shares quoted in public markets.

Cash and cash equivalents

Cash and cash equivalents consist of cash at hand and demand deposits. The account with credit limit in use is included in current financial liabilities.

Financial liabilities

The Group classifies loans from financial institutions, accounts with credit limits, lease liabilities, trade payables and other liabilities as financial liabilities measured at amortised cost using the effective interest method. Transaction costs are included in the initial carrying amount. Arrangement fees for loan commitments are treated as transaction costs. The Group classifies contingent considerations arising from M&A transactions as financial liabilities measured at fair value through profit or loss. No interest is paid on liabilities arising from contingent considerations. Any contingent consideration is measured at fair value at the date of acquisition and classified as a liability. A contingent consideration classified as a liability is measured at fair value at the end of each reporting period, and any resulting gain or loss is recognised in profit or loss after the end of the measurement period. The Group has no financial instruments classified as derivatives.

Financial liabilities are classified as current liabilities, unless the Group has an unconditional right to postpone their repayment to a date that is at least 12 months subsequent to the end of the reporting period.

BUSINESS AND RESPONSIBILITY STRATEGY

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

Distributable funds

The parent company's total distributable funds amount to EUR 206,497,856.66, of which the profit for the financial year accounts for EUR 2,328,952.90.

Dividends

The Board of Directors proposes that no dividend be paid for the financial year that ended on 31 December 2019 due to the tender offer made by Mehiläinen. Should the tender offer lapse, the Board of Directors will re-evaluate the matter.

Mehiläinen Yhtiöt Oy's voluntary cash tender offer for all shares in Pihlajalinna Plc

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc entered into a combination agreement, pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna.

In the tender offer, Pihlajalinna's shareholders are offered a cash consideration of EUR 16.00 for each issued and outstanding share in Pihlajalinna. The consideration includes a premium of approximately 46.0 per cent compared to the closing price of the Pihlajalinna share on the official list of Nasdaq Helsinki on 4 November 2019. The non-conflicted members of the Board of Directors of Pihlajalinna unanimously decided to recommend that the shareholders of Pihlajalinna accept the tender offer.

23. Financial liabilities

EUR 1,000 2019 2018
Non-current interest-bearing liabilities
Bank loans 103,182 93,627
Other liabilities 681 720
Lease liabilities 96,404 101,998
200,266 196,345
Current interest-bearing liabilities
Bank loans 1,193 1,493
Cheque accounts with credit limit 501 0
Lease liabilities 17,747 16,504
19,441 17,997
Interest-bearing financial liabilities total 219,707 214,341

At the end of the financial year, the Group had EUR 29.5 (39.0) million of unused committed short-term credit limits. Drawdowns from the Group's revolving credit facility are actually long-term by nature, although their maturity is 1, 3 or 6 months.

Lease liabilities

Accounting policies

Right-of-use assets are presented under property, plant and equipment and lease liabilities are presented under financial liabilities. The right-of-use asset is initially measured at cost and depreciated over the economic life of the asset. The right-ofuse asset is also subject to IAS 36 Impairment of Assets. The

lease liability is initially measured at the present value of future lease payments. In later periods, the lease liability is measured using the effective interest rate method, according to which the lease liability is measured at amortised cost and the interest expense is amortised over the lease term. The standard allows the lessee to also include non-lease elements of an agreement (typically services) in the lease liability.

EUR 1,000 2019 2018
Non-current lease liabilities
Right-of-use plots 206 169
Right-of-use business premises and buildings 95,112 100,827
Right-of-use equipment 1,087 1,002
Total 96,404 101,998
Current lease liabilities
Right-of-use plots 61 5
Right-of-use business premises and buildings 16,568 15,482
Right-of-use equipment 1,118 1,017
Total 17,747 16,504

24. Changes in interest-bearing liabilities with no impact on cash flow

EUR 1,000 2018 Cash
flow
Busi
ness
combi
nations
New
instal
ments &
financial
leasing
Effec
tive
interest
rate
2019
Non
current
interest
bearing
liabilities
94,347 9,000 44 376 96 103,862
Current
interest
bearing
liabilities
1,493 -1,285 153 1,333 1,694
Lease
liabilities
118,502 -22,656 3,802 14,504 114,151
Total
liabilties
from
financing
214,341 -14,941 3,999 16,212 96 219,707

25. Capital management

The goal of the Group's capital management is to ensure that the normal requirements of business operations are met, enable investments in line with the Group's strategy and increase longterm shareholder value. The Group influences its capital structure mainly through the distribution of dividend and share issues.

The key indicators concerning capital management are the equity ratio, the ratio of net debt to adjusted EBITDA and gearing.

EUR 1,000 Note 2019 2018
Equity 106,083 130,322
Total statement of financial position –
prepayments received 437,377 435,867
Equity ratio 1) 24.3,% 29.9,%
Interest-bearing financial liabilities 23 219,707 214,341
Cash and cash equivalents -27,004 -36,316
Interest-bearing net debt 192,703 178,026
Gearing 2) 181.7,% 136.6,%
EBITDA 47,844 44,826
Adjustment items* 7,284 1,083
Adjusted EBITDA 55,127 45,909
Net debt/adjusted EBITDA 3.5 3.9

* Significant transactions that are not part of the normal course of business, infrequently occurring events or valuation items that do not affect cash flow are treated as adjustment items affecting comparability between review periods. According to Pihlajalinna's definition, such items include, for example, restructuring measures and Group refinancing, impairment of assets and the remeasurement of previous assets held by subsidiaries, the costs of closing down businesses and business locations, gains and losses on the sale of businesses, costs arising from operational restructuring and the integration of acquired businesses, costs related to the termination of employment relationships, as well as fines and corresponding compensation payments.

1) The formula for calculating the equity ratio is 100 x Equity / (Total statement of financial position – prepayments received) 2) The formula for calculating gearing is 100 x Interest-bearing net debt / Equity

More information on adjusted EBITDA is provided in Note 8 Adjusted EBITDA and adjusted operating profit.

The Group's main financial risks consist of credit and counterparty risk as well as interest rate and liquidity risks. The Group operates in Finland and is therefore not exposed to material foreign exchange risks in its operations. The Group's general risk management policies are approved by the Board of Directors. The Group's Chief Financial Officer, together with the operative management, is responsible for identifying financial risks and for practical risk management. The goal of the Group's risk management is to ensure sufficient liquidity, minimise financing costs and regularly inform the management about the Group's financial position and risks. Group's financial administration actively monitors compliance with the financial covenants and assesses financial leeway in relation to the covenant maximums as part of the Group's business planning.

Interest rate risk

The Group's revenues and cash flows from operations are mostly independent of fluctuations in market interest rates. The Group is exposed to interest rate risks mainly through its external loan portfolio. In accordance with the principles of risk management, the Board of Directors decides on the extent of interest rate hedging coverage for the Group's loan portfolio. At the end of the financial year, the Group had no interest rate hedging arrangements in place. On the date of the financial statements, 53 (56) per cent of the interest-bearing liabilities were subject to fixed interest rates. During the financial year, the average annual interest rate on the Group's interest-bearing liabilities was approximately 1.84% (1.55%). The duration, i.e. the fixed interest rate period, of the financing portfolio was 4.0 (4.3) years.

The table below presents the Group's interest rate position at the end of the reporting period.

EUR 1,000 2019 2018
Fixed rate financial liabilities 116,624 119,938
Variable rate financial liabilities 103,387 94,803
Total variable rate position 103,387 94,803

The table below presents the effects on consolidated profit before tax should market interest rates rise or fall, all other things being equal. The sensitivity analysis is based on the interest rate position at the closing date of the reporting period.

2019 2019 2018 2018
0.5
percentage
0.5
percentage
0.5
percentage
0.5
percentage
Change points higher points lower points higher points lower
Effect on
profit
before tax -517 0 -474 0

Since the Group has no material interest-bearing assets, its income and operating cash flows are not materially exposed to changes in market interest rates.

Liquidity risk

The Group monitors the amount of financing required by business operations by analysing forecasts for cash flow from sales in order to make sure the Group has a sufficient amount of liquid assets for financing operations and repaying maturing loans.

The Group aims to ensure the availability and flexibility of financing with adequate credit limits, a balanced maturity profile and sufficiently long maturities for borrowings, as well as by obtaining financing through several financial instruments. On the financial statements date, the Group's financial assets stood at EUR 27.0 (36.3) million, in addition to which the Group had EUR 29.5 (39.0) million in unused committed credit limits available.

Pihlajalinna has a five-year EUR 120 million unsecured financing arrangement with Danske Bank and Nordea. The arrangement comprises a EUR 50 million revolving credit facility and

a long-term bullet loan of EUR 70 million. It also includes an opportunity to increase the total amount by EUR 60 million (to EUR 180 million), subject to separate decisions on a supplementary loan from the funding providers.

The financing arrangement includes the customary financial covenants concerning leverage (ratio of net debt to pro forma EBITDA) and gearing. The adoption of IFRS 16 does not affect the calculation of financial covenants. The calculation of covenants will continue with the creditor banks in accordance with the accounting principles confirmed in the original financing arrangement (frozen GAAP). The group met the set covenants on 31 December 2019.

The group has credit limit agreements valid until further notice, totalling EUR 10 million. The notice period of the credit limit agreements is one month.

When the voluntary recommended public cash tender offer of Mehiläinen Yhtiöt Oy materialises, the provision on change of control of Pihlajalinna's financing arrangements will apply. According to the provision, the funding providers are entitled to terminate the financing arrangement prematurely following a material change of control. After the announcement of the final result of the tender offer, Pihlajalinna and the funding providers have 30 business days to agree on the impacts of the change of control on the financing arrangement.

The Group's equity ratio at the end of the financial year was 24.6 (29.9) per cent. The Group has good financial standing and its business operations are profitable, and therefore the company has not identified any significant risks related to the availability of additional financing.

Loan covenants

The Group's key loan covenants are reported to the financiers on a quarterly basis. If the Group breaches the loan covenant terms, the creditors may accelerate the repayment of the loans. The management monitors the fulfilment of loan covenant terms and reports on them to the Board of Directors on a regular basis.

The financial covenants linked to the Group's financing arrangement are based on the ratio of the Group's net debt to pro forma EBITDA (leverage) and the Group's gearing. The maximum value of the leverage covenant is 3.75. The closer the Group's leverage covenant term is to said maximum value, the higher the margin on the financing arrangement. The maximum value of the gearing covenant is 115%. At the end of the reporting period, the Group met the terms of the covenant, with the leverage indicator being 3.13 (2.61) and gearing being 97% (68,7%).

At the end of the reporting period, 31 December 2019, the loan amount to which the covenants apply was EUR 100.0 (91.0) million.

Credit risk

The city of Jämsä has taken legal action against Jämsän Terveys Oy over the service agreement. The dispute concerns the provision on price adjustments pursuant to the service agreement. The difference of opinion regarding the determination of the annual price totalled approximately EUR 1.8 million at the time of the financial statements. Moreover, the balance sheet of Jämsän Terveys Oy includes other receivables totalling EUR 4.5 million from a client. The protocol on interpretation signed with the municipalities of Alavus, Ähtäri and Soini in conjunction with the share transactions also agreed on the charging principles of variable consideration. The outstanding receivables are associated with increased regulatory requirements for services for senior citizens, costs of specialised care and the calculation of net expenditure. A share transaction has not yet been completed with Kuortane, and no corresponding protocol on interpretation has been signed. According to the management's estimate, the client will pay the receivables in full, as the majority of the client's shareholders have agreed on the charging principles.

amounting to a total of EUR 3.1 million from the city of Jämsä, associated with the increased costs of specialised care and increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full. Kuusiolinna Terveys Oy has trade and other receivables On the date of the financial statements, the group's receivables include a total of EUR 1.6 million (EUR 2.8 million at the end of 2018) in service provider refunds for public sector specialised care cost accruals, estimated on a municipality-specific basis. According to the group management's view, under the service agreements, the refunds of cost accruals are payable to Pihlajalinna because they were accumulated during Pihlajalinna's service provision and liability for costs. In addition, the group has a total of EUR 0.2 million of overdue receivables from Kihniö and Juupajoki.

Mäntänvuoren Terveys Oy has trade and other receivables totalling EUR 1.2 million from a client. The receivables are associated with increased regulatory requirements for services for senior citizens and the calculation of net expenditure pursuant to the previous agreement. The social and healthcare service property transaction agreed with the client will be implemented by 31 December 2020. According to the management's estimate, the customer will pay the receivables in full in conjuction with the implementation of the property transaction.

Kolmostien Terveys Oy has trade and other receivables of EUR 0.4 million from a client relating to the increased regulatory requirements for services for senior citizens. According to the management's estimate, the customer will pay the receivables in full.

The payment information of corporate and personal customers is checked at every appointment. For the collection of payments, the Group mostly uses an external collections agency. The Group offers private customers financing via Svea-Rahoitus. This arrangement includes a check of the customer's creditworthiness.

The ageing analysis of trade receivables is presented in Note 17 Trade receivables and other receivables. The amount of credit losses recorded in profit or loss during the financial year was not significant. The maximum amount of the Group's credit risk equals to the carrying amount of financial assets at the end of the financial year (see Note 20 Financial assets and liabilities by measurement category).

Currency risk

The Group operates mainly in Finland and is not therefore exposed to material foreign exchange risks in its operations. The Group's annual procurements in foreign currencies are insignificant.

The table below presents the contractual maturity of financial liabilities. The figures are undiscounted and they include both future interest payments and repayments of principal.

Financial liabilities repayment schedule

EUR 1,000 Carrying amount
at 31 Dec. 2019
less than
1 year
1–2 years 2–3 years 3–4 years over 4 years
Loans from financial institutions 104,375 -3,435 -3,817 -3,319 -100,916 -239
Lease liabilities 114,151 -19,457 -17,371 -14,589 -12,125 -59,266
Other interest-bearing liabilities 681 -20 -57 -57 -57 -851
Contingent consideration 1,397 -1,397
Cheque account with credit limit 501 -501
Trade payables 18,573 -18,573
Other liabilities, series B 7,784 -7,784
Total 247,460 -51,166 -21,244 -17,964 -113,098 -60,357
Carrying amount less than
1000 € at 31 Dec. 2018 1 year 1–2 years 2–3 years 3–4 years over 4 years
Loans from financial institutions 95,120 -2,950 -2,533 -2,285 -93,188 -312
Lease liabilities 118,502 -18,287 -14,583 -14,653 -13,340 -68,174
Other interest-bearing liabilities 720 -20 -93 -57 -57 -864
Contingent consideration 2,812 -1,465 -1,348
Cheque account with credit limit 0
Trade payables 18,789 -18,789
Other liabilities, series B 6,568 -6,568
Total 242,511 -48,079 -18,557 -16,994 -106,585 -69,350

Acquisitions during the financial year 2019

EUR 1,000 Acquired entity

Klaari Oy (Fit1 gym chain) and its subsidiary Fitnessclub Länsi-Suomi Oy, 100% of the share capital

Dalmed Oy,

100% of the share capital

Domicile Industry Month of
acquisition
Espoo, Vaasa Fitness
centres
February
2019
Kemiö Occupational
healthcare services
April
2019
Kouvola Occupational
healthcare services
June
2019
Raisio, Naantali Occupational
healthcare services
September
2019

Kouvolan Työterveys ry (business operations)

Aurinkoristeys, i.e. the occupational healthcare units of the town of Raisio (business operations)

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

Accounting policies

With respect to significant business combinations, the Group has relied on an external advisor on the estimates of the fair value of property, plant and equipment and intangible assets. With property, plant and equipment, comparisons are made with the market prices of corresponding assets, and it is estimated how much the value of the acquired assets has decreased due to age, wear and tear and other such factors. With intangible assets, fair value measurement is based on estimated cash flows related to the assets.

Since the acquisitions are not material individually, the following partially preliminary information has been consolidated:

EUR 1,000 2019
Consideration transferred
Cash, basic transaction price 3,712
Total cost of the combination 3,712

The preliminary values of the assets and liabilities acquired for consideration at the time of acquisition were as follows:

EUR 1,000 Note 2019
Property, plant and equipment 13 13
Intangible assets 14 76
Right-of-use assets 15 3,802
Deferred tax assets 0
Inventories 1
Other investments 5
Trade and other receivables 196
Cash and cash equivalents 334
Total assets 4,428
Deferred tax liabilities -14
Financial liabilities 23 -197
Lease liabilities 23 -3,802
Other liabilities -344
Total liabilities -4,356
Preliminary net assets 72

Goodwill generated in the acquisition:

EUR 1,000 Liite 2019
Consideration transferred 3,712
Affordable transaction 3
Share of the acquisition allocated to non-controlling
interests
38
Net identifiable assets of acquirees -72
Preliminary goodwill 14 3,680
Transaction price paid in cash 3,712
Cash and cash equivalents of acquiree -334
Preliminary effect on cash flow* 3,378

Customer contracts, non-compete agreements and patient databases were recorded in the acquisition as intangible assets separate from goodwill. The fair value of intangible assets has been determined on the basis of the standardised price level in business combinations and the discounted values of future cash flows. The remaining goodwill consists of expectations about returns, the skilled workforce of the acquired companies and synergy benefits.

The acquisition-related expenses, a total of EUR 53 thousand, have been recorded under other operating expenses.

The revenue and results for the acquired business operations beginning from the date of acquisition (total revenue EUR 2,909 thousand and total operating profit EUR 102 thousand) are included in the consolidated statement of comprehensive income. Had the business operations acquired in the financial year been consolidated as of the beginning of 2019, consolidated revenue would have amounted to EUR 520,093 thousand and operating profit for the financial year would have been EUR 10,291 thousand.

Acquisition of non-controlling interests

At the beginning of February, Pihlajalinna increased its ownership in Kolmostien Terveys Oy by acquiring 15 per cent of the company's share capital from the City of Parkano. After the transaction, the Group owns 96 per cent of the company.

Pihlajalinna increased its holding in Mäntänvuoren Terveys Oy by purchasing 10 per cent of the shares in the company from the City of Mänttä-Vilppula in December. After the transaction, the Group owns 91 per cent of the company.

At the end of the financial year, Pihlajalinna increased its holding in Kuusiolinna Terveys, a joint venture with the municipalities of Alavus, Ähtäri, Kuortane and Soini. The transactions were made with the municipalities of Alavus, Ähtäri and Soini. After the transaction, the Group owns 90 per cent of the company.

Acquisitions achieved in stages

Röntgentutka Oy, a former joint venture, became a whollyowned subsidiary of Pihlajalinna in February 2018. Pihlajalinna consolidates the company as an acquisition achieved in stages. The pre-existing interest in acquiree was remeasured to fair value and the gains, amounting to EUR 964 thousand, were recognised in other operating income.

Accounting policies

With respect to significant business combinations, the Group has relied on an external advisor on the estimates of the fair value of property, plant and equipment and intangible assets. With property, plant and equipment, comparisons are made with the market prices of corresponding assets, and it is estimated how much the value of the acquired assets has decreased due to age, wear and tear and other such factors. With intangible assets, fair value measurement is based on estimated cash flows related to the assets.

Since the acquisitions are not material individually, the following information has been consolidated:

EUR 1,000 2018
Consideration
Cash, basic transaction price 43,014
Value of issued shares 28,620
Contingent consideration 110
Total cost of the combination 71,744

At the date of acquisition, the values of assets acquired and liabilities assumed were as follows:

EUR 1,000 Note 2018
Property, plant and equipment 13 5,210
Intangible assets 14 8,096
Right-of-use assets 15 34,500
Deferred tax assets 264
Inventories 293
Other investments 67
Trade and other receivables 8,401
Cash and cash equivalents 6,162
Total assets 62,992
Deferred tax liabilities -1,538
Interest-bearing financial liabilities 23 -4,770
Lease liabilities -34,500
Other liabilities -11,616
Total liabilities -52,424
Acquired net assets 10,569

Goodwill generated in the acquisition:

EUR 1,000 Note 2018
Consideration transferred 71,744
Previous holding measured at fair value 4,005
Share of the acquisition allocated to non-con
trolling interests
854
Net identifiable assets of acquirees -10,569
Goodwill 14 66,034
Transaction price paid in cash 43,014
Cash and cash equivalents of acquiree -6,162
Effect on cash flow* 36,853

Acquisitions during the financial year 2018

EUR 1,000
Acquired/divested entity
Month of
acquisition
Industry Domicile
Terveyspalvelu Verso Oy, 100% of the share capital Dec 2018 Occupational healthcare services Iisalmi
Hammashannu Oy, sold 100% of the share capital
(part of the SYH chain)
Sept 2018 Dental care Turku
Anula Oy, 100% of the share capital July 2018 Dental care Hämeenlinna
Leaf Areena Oy, 100% of the share capital June 2018 Fitness centres Turku
Suomen Yksityiset Hammaslääkärit chain, 51% of the share capital Mar 2018 Dental care Useita
Doctagon Ab, 100% of the share capital (directed share issue) Mar 2018 Private clinic operations, occupational
health services, staffing services
Helsinki
Forever fitness centre chain, 70% of the share capital Feb 2018 Fitness centres Several
Röntgentutka Oy, 50% of the share capital (previous holding 50%,
acquisition achieved in stages)
Feb 2018 Imaging Tampere
Linnan Klinikka Oy, 100% of the share capital Feb 2018 Private clinic operations,
occupational health services
Hämeenlinna
Kymijoen Työterveys Oy, 100% of the share capital Feb 2018 Occupational healthcare services Kotka
Salon Lääkintälaboratorio Oy (Sallab), 100% of the share capital Jan 2018 Private clinic operations,
occupational health services
Salo
Someron Lääkärikeskus Oy, 100% of the share capital Jan 2018 Private clinic operations,
occupational health services
Somero

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

Customer contracts, non-compete agreements and patient databases were recorded in the acquisition as intangible assets separate from goodwill. The fair value of intangible assets has been determined on the basis of the standardised price level in business combinations and the discounted values of future cash flows. The remaining goodwill consists of expectations about returns, the skilled workforce of the acquired companies and synergy benefits.

The acquisition-related expenses, a total of EUR 1,336 thousand, have been recorded under other operating expenses.

The revenue and results for the acquired business operations beginning from the date of acquisition (total revenue EUR 54,646 thousand and total operating profit EUR 3,661 thousand) are included in the consolidated statement of comprehensive income. Had the business operations acquired in the financial year been consolidated as of the beginning of 2018, consolidated revenue would have amounted to EUR 502,744 thousand and operating profit for the financial year would have been EUR 14,577 thousand.

Acquisition of non-controlling interests

At the beginning of June, Pihlajalinna increased its ownership in Kolmostien Terveys Oy by acquiring 10 per cent of the company's share capital from the City of Parkano. After the transaction, the Group owns 81 per cent of the company.

Pihlajalinna increased its holding in Mäntänvuoren Terveys Oy by purchasing 15 per cent of the shares in the company from the City of Mänttä-Vilppula in June. After the transaction, the Group owns 81 per cent of the company.

Pihlajalinna increased its holding in Jokilaakson Terveys Oy by purchasing 39 per cent of the shares in the company from the City of Jämsä in June. After the transaction, the Group owns 90 per cent of the company. .

Contingent consideration

The fair value of contingent consideration is determined on the basis of the budget for the 2019 financial year approved by the Board of Directors and on estimates for 2019–2020 prepared by the management. The estimates are based on a discount rate of 3%.

Any changes in the fair value of contingent consideration are recorded under other operating expenses. The valuation difference resulting from the discount rate has been recognised in profit or loss under financial items.

EUR 1,000 2019 2018
Contingent consideration, 1 January 2,812 5,418
Increase in contingent consideration from the
acquisition of business operations
110
Increase in the fair value of contingent
consideration during the measurement period
1,192
Effect of the unwinding of discount 63 136
Contingent consideration paid during the
financial year*
-1,479 -4,044
Contingent consideration, 31 December 1,397 2,812

*The line item "Acquisition of subsidiaries less cash and cash equivalents on date of acquisition" in the consolidated statement of cash flows presents the following items as a net amount:

2019 2018
3,378 36,853
1,479 4,044
4,857 40,897

28. Subsidiaries and material non-controlling interests

The Group's structure

The Group had 44 (59) subsidiaries in 2019. Of these subsidiaries, 20 (30) are wholly-owned and 24 (29) are partially owned. A list of all of the Group's subsidiaries is presented in Note 31 Related party transactions. In 2019, the Group had 1 (1) associated company and 1 (1) joint operation. .

Breakdown of material non-controlling interests in the Group

EUR 1,000 Main
business
Non-controlling
interests' share
of the votes
Non-controlling
interests' share
of profit or loss
Non-controlling
interests' share
of equity
Subsidiary location 2019 2018 2019 2018 2019 2018
Jämsän Terveys Oy Jämsä 49 % 49 % -48 -178 520 568
Kuusiolinna Terveys Oy Alavus 10 % 49 % 345 2,137 349 3,447
Kolmostien Terveys Oy Parkano 4 % 19 % 13 114 77 303
Pihlajalinna Erityisasumispalvelut Oy Hämeenlinna 30 % 30 % 6 -122 -148 -153
Dextra Lapsettomuusklinikka Oy Helsinki 49 % 49 % 420 304 339 -81
Pihlajalinna Liikuntakeskukset Group several 30 % 30 % 57 47 2,792 2,697
Suomen Yksityiset Hammaslääkärit Group several 45 % 49 % -92 26 499 642
701 2,328 4,428 7,423

Summary of financial information on subsidiaries with a material non-controlling shareholders' interest

Jämsän Terveys Oy Kuusiolinna Terveys Oy Kolmostien Terveys Oy
EUR 1,000 2019 2018 2019 2018 2019 2018
Current assets 12,388 11,588 20,310 20,043 4,934 6,175
Non-current assets 1,870 1,251 1,520 1,188 1,032 1,069
Current liabilities 12,297 10,943 18,220 14,043 4,016 5,623
Non-current liabilities 822 663 69 47 22 16
Revenue 72,563 73,383 95,312 93,016 36,527 35,445
Operating profit -123 -440 4,220 5,443 409 743
Profit/loss -98 -364 3,383 4,360 324 601
Share of profit/loss attributable to
owners of the parent
-50 -2,500 3,370 4,246 -1,340 601
Non-controlling interests' share of
profit/loss -48 -178 345 2,137 13 114
Net cash flow from operating activities -703 2,117 1,265 4,223 -1,292 2,903
Net cash flow from investing activities -191 -174 -890 -538 1,380 -5,249
Net cash flow from financing activities -206 -141 -3,105 -1,635 -76 -668
of which dividends paid to
non-controlling interests
-2,891 -735 -190
Lapsettomuus
klinikka Oy
Dextra Pihljalinna
Erityisasumis
palvelut Oy
Group Pihlajalinna
Liikuntakeskukset
Suomen Yksityiset
Hammaslääkärit
Group
EUR 1,000 2019 2018 2019 2018 2019 2018 2019 2018
Current assets 397 249 219 792 8,891 5,584 669 1,142
Non-current assets 2,229 2,637 655 684 27,421 24,498 1,867 2,056
Current liabilities 852 1,765 714 1,334 19,236 14,864 1,528 1,896
Non-current liabilities 501 706 651 23,800 22,746 195 241
Revenue 5,073 4,493 2,410 1,113 18,467 14,890 4,898 4,619
Operating profit 1,145 893 43 -479 799 662 -204 143
Profit/loss 857 620 19 -405 191 157 -193 53
Share of profit/loss attributable
to owners of the parent
437 316 13 -284 134 110 -102 27
Non-controlling interests' share
of profit/loss
420 304 6 -122 57 47 -92 26
Net cash flow from operating
activities
1,619 1,530 787 -914 5,397 2,791 394 -220
Net cash flow from investing
activities
-135 -28 -47 -481 1,241 -696 -397 -1,153
Net cash flow from financing
activities
-1,176 -2,055 -740 1,395 -4,542 -633 -228 1,590
of which dividends paid to
non-controlling interests

PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

BOARD OF DIRECTORS

STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

PIHLAJALINNA

2019

29. Interests in associates and joint arrangements

Accounting policies

Associates are companies over which the Group has significant influence. As a rule, significant influence is established when the Group holds more than 20% of a company's voting power or otherwise has significant influence but no control.

A joint arrangement is an arrangement of which two or more parties have joint control. Joint control involves contractually agreed sharing of control of an arrangement, which exists only when decisions about relevant activities require the unanimous consent of the parties sharing control. A joint arrangement is either a joint operation or a joint venture. A joint venture is an arrangement whereby the Group has rights to the net assets of the arrangement, whereas in a joint operation the Group has rights to the assets, and obligations for the liabilities, relating to the arrangement.

Associates and joint ventures are consolidated using the equity method. If the Group's share of the loss of an associate or a joint venture exceeds the carrying amount of the investment, then the investment is carried at zero value, and the losses exceeding the carrying amount are not consolidated, unless the Group is committed to fulfilling the obligations of the associate or joint venture. An investment in an associate or a joint venture includes the goodwill generated through the acquisition. Unrealised profits between the Group and an associate or a joint venture are eliminated in proportion to the Group's ownership interest. The Group's pro rata share of an associate's or a joint venture's profit for the financial year is included in operating profit.

EUR 1,000 2019 2018
Interests in
associates
Ullanlinnan Silmälääkärit Oy 24 23
Interests in joint
operations
40 40
Total carrying amount 64 63

Interests in associates and joint ventures

Main
business
Holding, %
Name location Industry 2018 2018
Ullanlinnan Healthcare
Silmälääkärit Oy Helsinki services 37 % 37 %
Ullanlinnan Silmälääkärit Oy
2019 2018
Current assets 96 105
Financial assets included
in current assets
71 78
Non-current assets 62 43
Current liabilities 50 46
Financial liabilities included
in current liabilities
Non-current liabilities 30 30
Financial liabilities included
in non-current liabilities
30 30
Revenue 521 421
Depreciation and amortisation -16 -9
Operating profit 6 17
Profit/loss 5 13
Interest income 1
Interest expenses -2 -3
Income tax expenses or income
Associate's net assets 77 72
Group's holding 37 % 37 %
Joint venture's carrying amount
in the consolidated statement
of financial position
24 23

The share of associates' profit is presented under other operating expenses up to the carrying amount of the Group's investment in their shares.

Interests in joint operations

The Group owns 31 % in Kiinteistö Oy Levin Pihlaja, which is consolidated as a joint operation according to the pro rata share.

30. Contingent assets and liabilities and commitments

Collateral given on own behalf 2019 2018
Pledged collateral notes 1,300
Sureties 3,682 320
Properties' VAT refund liability 1,728
Lease commitments for off-balance sheet leases 980 1,311
Lease deposits 1,764 1,800

Lawsuits and official proceedings

The City of Jämsä has taken legal action against Jämsän Terveys Oy over the service agreement. The dispute concerns the provision on price adjustments pursuant to the service agreement. The difference of opinion regarding the determination of the annual price totalled approximately EUR 1.8 million at the time of the financial statements.

31. Related party transactions

The Group's related parties consist of the subsidiaries, associates and joint ventures. Key management personnel considered related parties consist of the members of the Board of Directors and the Management Team, including the CEO.

The Group's parent company and subsidiary relationships

The Group's parent company is Pihlajalinna Plc, which owns all of Pihlajalinna Terveys Oy's Series A shares.

Company Domicile Holding % of votes
Parent company Pihlajalinna Plc Tampere
Pihlajalinna Terveys Oy Mänttä-Vilppula 100 % 100 %
Ikipihlaja Johanna Oy Jämsä 100 % 100 %
Jokilaakson Terveys Oy Jämsä 90 % 90 %
Pihlajalinna Lääkärikeskukset Oy Helsinki 100 % 100 %
Mäntänvuoren Terveys Oy Mänttä-Vilppula 91 % 91 %
Ikipihlaja Kuusama Oy Kokemäki 100 % 100 %
Ikipihlaja Sofianhovi Oy Mänttä-Vilppula 100 % 100 %
Wiisuri Oy Jyväskylä 100 % 100 %
Ikipihlaja Matinkartano Oy Lieto 100 % 100 %
Ikipihlaja Setälänpiha Oy Lieto 100 % 100 %
Ikipihlaja Oiva Oy Raisio 100 % 100 %
Kolmostien Terveys Oy Parkano 96 % 96 %
Jämsän Terveys Oy Jämsä 51 % 51 %
Kuusiolinna Terveys Oy Alavus 90 % 90 %
Lääkäriasema DokTori Oy Lappeenranta 100 % 100 %
Kompassi Hammaslääkärikeskus Oy Seinäjoki 100 % 100 %
Kompassi Lääkärikeskus Oy Seinäjoki 100 % 100 %
Mediapu Oy Oulu 100 % 100 %
Pihlajalinna Seinäjoki Oy Seinäjoki 100 % 100 %
Pihlajalinna Turku Oy Turku 81 % 81 %
Pihlajalinna Solutions Oy Tampere 100 % 100 %
Pihlajalinna Erityisasumispalvelut Oy Hämeenlinna 70 % 70 %
Pihlajalinna Oulu Oy Oulu 100 % 100 %
Dextra Lapsettomuusklinikka Oy Helsinki 51 % 51 %
Ab Kristina Hälso Terveys Oy Kristiinankaupunki 100 % 100 %
Linnan Klinikka Oy Hämeenlinna 100 % 100 %
Pihlajalinna Liikuntakeskukset Oy Tampere 70 % 70 %
Forever Matinkylä Oy Espoo 70 % 70 %
Etelä-Karjalan Liikuntakeskus Oy Lappeenranta 70 % 70 %
Forever Helsinki Oy Helsinki 70 % 70 %
Forever Herttoniemi Oy Helsinki 70 % 70 %
Forever Hiekkaharju Oy Vantaa 70 % 70 %
Forever Hämeenlinna Oy Hämeenlinna 70 % 70 %
Forever Järvenpää Oy Järvenpää 70 % 70 %
Forever Lahti Oy Lahti 70 % 70 %
Forever Varisto Oy Vantaa 70 % 70 %
Keravan Forever Oy Kerava 70 % 70 %
Leaf Areena Oy Turku 70 % 70 %
Suomen Yksityiset Hammaslääkärit Oy Tampere 55 % 55 %
Pihlajalinna Hammasklinikat Oy Tampere 55 % 55 %
Laihian Hyvinvointi Oy Laihia 81 % 81 %
Terveyspalvelu Verso Oy Iisalmi 100 % 100 %
Impact Care Oy Helsinki 100 % 100 %
Klaari Oy Helsinki 70 % 70 %

Information on the associates is presented in Note 29 Interests in associates and joint arrangements.

STRATEGY

INFORMATION FOR SHAREHOLDERS

Changes in Group structure

The following changes in group structure were implemented during the financial year:

Merged company Target company Date of time
Pihlajalinna Tampere Oy Pihlajalinna Lääkärikeskukset Oy 1.1.2019
Doctagon Ab Pihlajalinna Terveys Oy 1.1.2019
Anula Oy Linnan Klinikka Oy 1.1.2019
Hammaslääkäripalvelu Savodent Oy, HammasPirta Oy,
Paimion Hammaslääkäripalvelu Oy and
Salon Hammaslääkärikeskus Oy
Tampereen Hammaspiste Oy
(currently Pihlajalinna Hammasklinikat Oy)
1.1.2019
Hammaslääkärikeskus Mandibula Oy Mandibula Raisio Oy 28.2.2019
Mandibula Raisio Oy Pihlajalinna Hammasklinikat Oy 1.3.2019
Pihlajalinna Kymijoki Oy Pihlajalinna Lääkärikeskukset Oy 3.6.2019
Ala-Malmin Hammaslääkärit Oy, Salon
Lääkintälaboratorio Oy and Someron Lääkäriasema Oy
Pihlajalinna Lääkärikeskukset Oy 1.9.2019
Pihlajalinna Oulu Oy Pihlajalinna Madetojanpuisto Oy
(currently Pihlajalinna Oulu Oy)
1.9.2019
Etelä-Pohjanmaan Sydäntutkimuspalvelu Oy Kompassi Lääkärikeskus Oy 1.9.2019
Pihlajalinna Parainen Oy Pihlajalinna Turku Oy 3.9.2019
Fit1 Fitnessclub LänsiSuomi Oy Klaari Oy 30.11.2019
Dalmed Oy Pihlajalinna Turku Oy 31.12.2019

Employee benefits of management

EUR 1,000 2019 2018
Salaries and other short-term employee
benefits, Management Team
1,328 1,465
Post-employment benefits,
Management Team
131
Total 1,459 1,465

Wages and salaries

EUR 1,000 2019 2018
CEO
Joni Aaltonen 285 285
Members of the Board of Directors
Leena Niemistö 43 44
Jari Sundström (until 4 April 2019) 8 36
Mikko Wirén 260 259
Seija Turunen 35 38
Jari Eklund (until 4 April 2018) 9
Timo Everi (4 April 2019) 9 37
Matti Bergendahl (4 April 2018–5 April 2019) 14 45
Gunvor Kronman (4 April 2018–5 April 2019) 9 28
Kati Sulin (since 4 April 2018) 32 29
Matti Jaakola (since 4 April 2019) 27
Hannu Juvonen (since 4 April 2019) 27
Mika Manninen (since 4 April 2019) 27
Total 771 807

According to the CEO's contract, the notice period for dismissal is 3 months. The company is liable to pay the CEO one-time compensation for termination amounting to six months' total salary. The CEO's pension benefits are according to the statutory pension scheme. The CEO is not a member of the Board of Directors. .

In addition to statutory pension insurance, the Chairman of the Board of Directors has a supplementary defined contribution pension plan.

Related party transactions and related party receivables and liabilities

2019 2018
Key management personnel
Rents paid 942 982
Services procured 987 1 207
Trade payables 9 124
Associates
Services procured 35
Rents received 20

The Group has leased several of its business premises from a member of the key management personnel: the premises in Nokia, Karkku, Tampere and Kangasala.

A Group company has an agreement with a member of the key management personnel, under which the Group buys healthcare professionals' services.

The Group's statutory accident insurance policy has been taken out from another related party.

32. Events after the balance sheet date

Mehiläinen Yhtiöt Oy launched a cash tender offer recommended by the Board of Directors of Pihlajalinna Plc for all shares in Pihlajalinna Plc on 9 January 2020

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc announced that they had entered into a combination agreement pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna.

The Finnish Financial Supervisory Authority approved the tender offer document on 8 January 2020. The acceptance period for the tender offer, or the offer period, commenced on 9 January 2020 at 9:30 a.m. (Finnish time) and it will expire on 19 March 2020 at 4:00 p.m. (Finnish time) at the earliest, unless extended or discontinued in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws and regulations. Currently, the tender offer is expected to be completed towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020. The offeror will extend the offer period in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws in order to satisfy the closing conditions, including obtaining merger control clearance. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible.

The tender offer document has been available in Finnish as of 9 January 2020 at the head office of Mehiläinen, address Pohjoinen Hesperiankatu 17 C, 6th floor, 00260 Helsinki, Finland, Nordea Bank Plc's head office, address Satamaradankatu 5, 00020 Nordea, Finland, and at Nasdaq Helsinki, address Fabianinkatu 14, 00130 Helsinki, Finland. An electronic version of the tender offer document has been available in Finnish as of 9 January 2020 on the internet at ostotarjous.mehilainen. fi, investors.pihlajalinna.fi/public-tender-offer and at nordea.fi/ osakkeet, and in English as of 9 January 2020 at ostotarjous. mehilainen.fi, investors.pihlajalinna.fi/public-tender-offer.aspx- ?sc_lang=en and nordea.fi/equities.

Statement of the Board of Directors of Pihlajalinna Plc on the voluntary public cash tender offer of Mehiläinen Yhtiöt Oy

The Board of Directors of Pihlajalinna issued a statement on the tender offer as required by chapter 11, section 13 of the Finnish Securities Markets Act (746/2012, as amended) on 3 January 2020.

Tender offer in brief

The cash consideration offered is EUR 16.00 for each share in Pihlajalinna. The consideration includes a premium of approximately

  • 46 per cent compared to the closing price of the Pihlajalinna share on the official list of Nasdaq Helsinki Ltd (hereinafter referred to as "Nasdaq Helsinki") on 4 November 2019, being the last trading day before the announcement of the Tender Offer;
  • 50.1 per cent compared to the volume-weighted average trading price of the Pihlajalinna share on the official list

of Nasdaq Helsinki during the 3 months immediately preceding the announcement of the Tender Offer; and • 52.7 per cent compared to the volume-weighted average trading price of the Pihlajalinna share on Nasdaq Helsinki during the 12 months immediately preceding the announcement of the Tender Offer.

The consideration offered is subject to the terms and conditions of the tender offer. According to the terms and conditions of the tender offer, should the number of issued and outstanding shares in Pihlajalinna change as a result of a share issue, reclassification, stock split or any other similar transaction with dilutive effect, or should Pihlajalinna distribute a dividend or otherwise distribute funds or any other assets to its shareholders, or should a record date with respect to any of the foregoing occur prior to the completion of the tender offer, the offered consideration will be reduced accordingly on a euro-foreuro basis.

It is the intention of Mehiläinen, subject to Mehiläinen acquiring more than ninety per cent (90%) of the issued and outstanding shares and voting rights in Pihlajalinna, to initiate mandatory redemption proceedings in accordance with the Finnish Limited Liability Companies Act (624/2006, as amended) to acquire the remaining shares in Pihlajalinna, and thereafter to cause Pihlajalinna's shares to be delisted from Nasdaq Helsinki as soon as reasonably practicable.

As required under applicable laws, Mehiläinen has, and will have at the completion of the tender offer, access to debt and equity funding in sufficient amounts to finance the payment of the aggregate offer price for all of the issued and outstanding shares in Pihlajalinna in connection with the Tender Offer (including in any mandatory redemption proceedings in accordance with the Limited Liability Companies Act). The debt financing is subject to customary certain funds financing conditions.

LocalTapiola General Mutual Insurance Company, MWW Yhtiö Oy, Fennia Mutual Insurance Company, LocalTapiola Mutual Life Insurance Company, Elo Mutual Pension Insurance Company, Leena Niemistö, funds advised by Fondita Fund Management Company Ltd., Ilmarinen Mutual Pension Insurance Company, Fennia Life Insurance Company Ltd. as well as certain other major shareholders of Pihlajalinna, have irrevocably undertaken to accept the Tender Offer, subject to certain customary conditions. Such undertakings concern approximately 63.2 per cent of the shares and votes in Pihlajalinna in the aggregate.

The completion of the Tender Offer is conditional on the fulfillment or waiver of certain conditions on or by the date on which offeror announces the final result of the tender offer. These conditions include the receipt of all necessary regulatory approvals and that the tender offer has been approved with regard to shares representing, together with any other shares otherwise acquired by the Offeror prior to or during the offer period, more than ninety per cent of the issued and outstanding shares and voting rights in Pihlajalinna.

STRATEGY

INFORMATION FOR SHAREHOLDERS

PIHLAJALINNA 2019

Statement of the board of directors

The Board of Directors believes that the offer price offered to the shareholders of Pihlajalinna is fair based on an assessment of the issues and factors that the Board of Directors has concluded to be material in evaluating the tender offer. The Board of Directors of Pihlajalinna recommends that the shareholders of Pihlajalinna accept the tender offer.

The Board of Directors further notes that according to offeror's notice, the offer period of the tender offer is intended to be extended so that the offeror expects that the tender offer would be completed towards the end of second quarter of 2020 or at the latest during the third quarter of 2020. The offer period may therefore be somewhat long. Pursuant to the Securities Market Act, the offer period may for special reasons be more than ten (10) weeks, provided that the business operations of the target company are not hindered for longer than reasonable. A notice of closing of the offer period shall be disclosed at least two (2) weeks prior to the closure of the offer period.

The Board of Directors notes that shareholders of Pihlajalinna should also consider the risks related to not accepting the Tender Offer. In case the condition of completion regarding reaching at least 90% of shares and votes would be waived, the completion of the tender offer would reduce the number of shareholders in Pihlajalinna and the number of shares that would otherwise be publicly traded. Depending on the number of shares validly tendered in the tender offer, this could have an adverse effect on the liquidity and value of the shares.

The European Commission has referred the handling of the combination between Mehiläinen Yhtiöt Oy and Pihlajalinna Plc to the Finnish Competition and Consumer Authority

The European Commission decided on 28 January 2020 to refer the handling of the authority approval of Mehiläinen's tender offer to the Finnish Competition and Consumer Authority (hereinafter referred to as the "FCCA").

Mehiläinen Yhtiöt Oy submitted a formal merger control notification regarding the public tender offer by Mehiläinen Yhtiöt Oy for the shares in Pihlajalinna Plc on 10 February 2020 Mehiläinen Yhtiöt Oy submitted a formal merger control notification regarding the public tender offer by Mehiläinen Yhtiöt Oy for the shares in Pihlajalinna Plc on 10 February 2020

According to the Finnish Competition Act, the the first phase of the notification proceedings may not take more than 23 working days. The Phase I Investigation will thus be completed no later than on 12 March 2020. According to information currently available, it is more likely than not that the FCCA will, after the Phase I Investigation, initiate continued phase II proceedings before the authority approval is obtained. According to the Competition Act, the Phase II Investigation may not take more than 69 working days, unless the Finnish Market Court grants, upon application, an extension to the FCCA for investigating the case.

If the FCCA initiates the Phase II Investigation, the offeror will extend the offer period in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws, in order to satisfy the conditions to completion of

the tender offer, including obtaining the authority approval, provided that the business operations of Pihlajalinna are not hindered for longer than is reasonable, as referred to in Chapter 11, section 12, subsection 2 of the Finnish Securities Market Act. The offeror will decide on a possible extension of the offer period once the Phase I Investigation has progressed to a stage where the offeror is better placed to estimate the overall duration of the handling of the authority approval. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible.

Pihlajalinna Plc's Shareholders' Nomination Board submitted its proposals to the company's Board of Directors, to be presented to the Annual General Meeting of 2020

The number of members and composition of the Board of Directors:

The Nomination Board proposes to the Annual General Meeting of Pihlajalinna Plc, scheduled to be held on 15 April 2020, that the number of the members of the Board be confirmed to be seven. The Nomination Board proposes that all of the current members of the Board of Directors, Matti Jaakola, Hannu Juvonen, Mika Manninen, Leena Niemistö, Kati Sulin, Seija Turunen and Mikko Wirén, be re-elected as members of the Board of Directors for a new term of office.

The personal details of the current members of the Board and the details of their positions of trust are available at investors.pihlajalinna.fi/corporate-governance/board-of-directors. The Nomination Board further proposes that the Annual General Meeting elect Mikko Wirén as the Chairman of the Board and Leena Niemistö as the Vice-Chairman.

Remuneration of the Board of Directors:

The Shareholders' Nomination Board proposes that the remuneration of the Board of Directors be kept unchanged, and that the following annual remuneration be paid to the members of the Board of Directors to be elected at the Annual General Meeting for the term of office ending at the close of the Annual General Meeting 2021: to the full-time Chairman of the Board of Directors EUR 250,000 per year; to the Vice-Chairman EUR 36,000 per year, and to members EUR 24,000 per year.

Additionally, the Nomination Board proposes that each member of the Board of Directors be paid an attendance fee of EUR 500 per Board or Committee meeting. Reasonable travel expenses will also be reimbursed to the members of the Board in accordance with the company's travel rules.

The above-mentioned proposals will also be included in the notice of the Annual General Meeting.

Parent company balance sheet, FAS

EUR 1,000 note 31.12.2019 31.12.2018
Assets
Non-current assets
Intangible assets 2.1. 5,448 5,003
Property, plant and equipment 2.2. 2,695 3,015
Investments 2.3. 284,485 204,485
292,628 212,504
Current assets
Non-current receivables 2.4. 37 61
Current receivables 2.5. 43,072 115,308
Cash and cash equivalents 16 2,272
43,124 117,642
Total assets 335,752 330,145

Equity and liabilities

EUR 1,000
note
31.12.2019 31.12.2018
Assets
Non-current assets
Intangible assets
2.1.
5,448 5,003
Property, plant and equipment
2.2.
2,695 3,015
Investments
2.3.
284,485 204,485
292,628 212,504
Current assets
Non-current receivables
2.4.
37 61
Current receivables
2.5.
43,072 115,308
Cash and cash equivalents 16 2,272
43,124 117,642
335,752 330,145
Total assets
Equity and liabilities
Equity
2.6.
Share capital
Reserve for invested unrestricted equity
80
183,190
80
183,190
Retained earnings 21,915 24,126
Profit/loss for the financial year 2,329 52
207,515 207,448
Accumulated appropriations
2.7.
787 514
Mandatory provisions
2.8.
74
Liabilities
2.9.
Non-current liabilities 101,709 93,368
Current liabilities 25,666 28,816
127,375 122,184
Total equity and liabilities 335,752 330,145

Parent company income statement, FAS

EUR 1,000 note 1.1.–31.12.2019 1.1.–31.12.2018
Revenue 1.1. 3,276 2,428
Other operating income 1.2. 347 304
Personnel expenses 1.3. -1,258 -1,350
Depreciation, amortisation and impairment 1.4. -1,515 -1,072
Other operating expenses 1.5. -3,534 -2,966
Operating profit (loss) -2,683 -2,656
Financial income and expenses 1.6. -110 321
Profit (loss) before
appropriations and taxes -2,793 -2,335
Appropriations 1.7.
Change in depreciation difference -274 -501
Group contribution 6,000 2,900
Income taxes 1.8. -604 -13
Profit (loss) for the financial year 2,329 52

Parent company cash flow statement, FAS

EUR 1,000 1.1.–31.12.2019 1.1.–31.12.2018
Cash flow from operating activities
Profit for the period 2,329 52
Depreciation, amortisation and impairment 1,515 1072
Financial income and expenses 110 -321
Other adjustments (appropriations and taxes) -5,122 -2,387
Cash flow before change in working capital -1,169 -1,584
Change in net working capital 1,150 -255
Cash flows from operating activities before financial items and taxes -18 -1,839
Interest received 1,673 2,263
Direct taxes paid 306 -547
Cash flow from operating activities 1,960 -123
Cash flows from investing activities
Investments in tangible and intangible assets -1,584 -3,263
Investments in subsidiaries 0 -589
Cash flows from investing activities -1,584 -3,852
Cash flows from financing activities
Proceeds from short-term borrowings from group companies -5,045 19,235
Loans granted to Group companies -5,264 -67,747
Proceeds from short-term borrowings 501
Repayment of short-term borrowings -1,178
Proceeds from long-term borrowings 9,000 91,000
Repayment of long-term borrowings -732 -34,438
Group contributions received 2,900 4,795
Interest paid -1,730 -1,821
Dividends paid -2,262 -3,619
Cash flows from financing activities -2,633 6,227
Change in cash and cash equivalents -2,257 2,252
EUR 1,000 1.1.–31.12.2019 1.1.–31.12.2018
Cash flow from operating activities
Profit for the period 2,329 52
Depreciation, amortisation and impairment 1,515 1072
Financial income and expenses 110 -321
Other adjustments (appropriations and taxes) -5,122 -2,387
Cash flow before change in working capital -1,169 -1,584
Change in net working capital 1,150 -255
Cash flows from operating activities before financial items and taxes -18 -1,839
Interest received 1,673 2,263
Direct taxes paid 306 -547
Cash flow from operating activities 1,960 -123
Cash flows from investing activities
Investments in tangible and intangible assets -1,584 -3,263
Investments in subsidiaries 0 -589
Cash flows from investing activities -1,584 -3,852
Cash flows from financing activities
Proceeds from short-term borrowings from group companies -5,045 19,235
Loans granted to Group companies -5,264 -67,747
Proceeds from short-term borrowings 501
Repayment of short-term borrowings -1,178
Proceeds from long-term borrowings 9,000 91,000
Repayment of long-term borrowings -732 -34,438
Group contributions received 2,900 4,795
Interest paid -1,730 -1,821
Dividends paid -2,262 -3,619
Cash flows from financing activities -2,633 6,227
Change in cash and cash equivalents -2,257 2,252
Cash at the beginning of the financial year 2,272 21
Cash at the end of the financial year 16 2,272

STRATEGY PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

PIHLAJALINNA 2019

Notes to the financial statements 31 December 2019

Accounting policies

Pihlajalinna Plc (2617455-1), domiciled in Tampere, is the parent company of Pihlajalinna Group. The company was established on 15 April 2014.

Voluntary cash tender offer for all shares in Pihlajalinna Plc

On 5 November 2019, Mehiläinen Yhtiöt Oy and Pihlajalinna Plc entered into a combination agreement, pursuant to which Mehiläinen made a voluntary recommended public cash tender offer for all issued and outstanding shares in Pihlajalinna.

In the tender offer, Pihlajalinna's shareholders are offered a cash consideration of EUR 16.00 for each issued and outstanding share in Pihlajalinna. The consideration includes a premium of approximately 46.0 per cent compared to the closing price of the Pihlajalinna share on the official list of Nasdaq Helsinki on 4 November 2019. The non-conflicted members of the Board of Directors of Pihlajalinna unanimously decided to recommend that the shareholders of Pihlajalinna accept the tender offer.

The offer period commenced on 9 January 2020 at 9:30 a.m. (Finnish time) and it will expire on 19 March 2020 at 4:00 p.m. (Finnish time) at the earliest, unless extended or discontinued in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws and regulations. Currently, the tender offer is expected to be completed towards the end of the second quarter of 2020 or at the latest during the third quarter of 2020. The offeror will extend the offer period in accordance with, and subject to, the terms and conditions of the tender offer and applicable laws in order to satisfy the closing conditions, including obtaining merger control clearance. Any extension of the offer period will be announced by way of a stock exchange release as soon as practically possible. .

Valuation of non-current assets

Intangible assets and tangible assets have been recognised in the balance sheet at cost. Depreciation and amortisation according to plan is calculated using the straight-line method over the economic useful lives of the assets.

The planned depreciation periods are as follows:

Development costs 5–7 years
Other intellectual property rights 5–7 years
Other long-term expenditures 5–7 years
Machinery and equipment 3–10 years

Acquisition costs of assets included in non-current assets with a probable economic useful life of less than 3 years, and smallscale acquisitions (value under EUR 850) have been expensed in the financial year during which they were acquired in full.

Financial assets are measured at the lower of cost or fair market, if the impairment is considered to be permanent.

Recognition of deferred taxes

Deferred tax liabilities or assets have been calculated on the temporary differences between taxation and the financial statements, using the prevailing tax base at balance sheet date. The balance sheet includes deferred tax liabilities in their entirety and deferred tax assets in the amount of the estimated probable receivables.

Revenue recognition

The sale of products and services is recognised in connection with their delivery.

Capitalised development costs (Accounting Ordinance 2:4, 3-4)

The company's capitalised product development expenditure relating to the Pihlajalinna mobile application and the company website will be amortised over their economic useful lives. Unamortised development expenditure included in intangible assets, which restricts profit distribution, amounted to EUR 1,017 (1,281) thousand at the end of the financial year.

Recognition of pension schemes

The personnel's statutory pension security is handled by an external pension insurance company. Pension costs are recognised as expenses during the year of their accrual.

Presentation method of the cash flow statement

Pihlajalinna Plc's cash flow statement has been converted to comply with an indirect calculation model.

Notes to the income statement

1.1. Revenue

EUR 1,000 2019 2018
Revenues by sector
Sale of services 3,276 2,428
3,276 2,428

1.2. Other operating income

EUR 1,000 2019 2018
Rental income 19
Lease income from equipment 328 304
347 304

1.3. Personnel expenses

EUR 1,000 2019 2018
Wages and salaries -1,136 -1,215
Pension costs -110 -127
Other social security expenses -12 -7
Total -1,258 -1,350
Average number of employees
during the financial year 5 2

The remuneration of the Board of Directors of Pihlajalinna Plc is included in the company's personnel expenses. The Annual General Meeting of 4 April 2019 decided that remuneration shall be paid to the members of the Board of Directors as follows: to the full-time Chairman of the Board of Directors EUR 250,000 per year; to the Vice-Chairman EUR 36,000 per year, and to members EUR 24,000 per year. In addition, the AGM decided that each Board member shall be paid a meeting fee of EUR 500 for each Board and Committee meeting.

A summary of the remuneration of the Board of Directors is included in Note 31 "Related party transactions" to the consolidated financial statements. In addition, the Corporate Governance Statement includes a summary of remuneration paid to members of the Board of Directors in 2019.

1.4. Depreciation and impairment EUR 1,000 31.12.2019 31.12.2018
EUR 1,000 2019 2018 Development costs
Depreciation according to plan Acquisition cost at the start of the 1,607 1,164
Intangible assets -1,153 -741 financial year
Property, plant and equipment -362 -331 Additions 443
-1,515 -1,072 Acquisition cost at the end of the period 1,607 1,607
Accumulated amortisation according to
plan during the financial year
-325 -61
Accumulated amortisation according to -264 -264
1.5. Other operating expenses plan during the financial year
EUR 1,000 2019 2018 Carrying amount at the end of the period 1,017 1,281
Voluntary social security expenses -20 -58
Facility expenses -237 -241 Other intellectual property rights
Vehicle expenses -5 -31 Acquisition cost at the start of 1,494 1,464
ICT expenses -2,175 -1,628 the financial year
Machinery and equipment expenses -1 -1 Additions 121 13
Sales, marketing and travel expenses -66 -49 Transfers between items 17
Administrative expenses -1029 -958 Acquisition cost at the end of the period 1,615 1,494
Other operating expenses, total -3,534 -2,966 Accumulated amortisation according to
plan during the financial year
-544 -321
Accumulated amortisation according to
plan during the financial year
-245 -223
Auditor's fees Carrying amount at the end of the period 827 950
audit fees -116 -70
auxiliary services -1 -10 Other long-term expenditures
-117 -80 Acquisition cost at the start
of the financial year
2,827 470
Additions 1,037 2,342
1.6. Financial income and expenses Transfers between items 217 15
EUR 1,000 2019 2018 Acquisition cost at the end of the period 4,082 2,827
Interest income from non-current investments Accumulated amortisation according to -273 -20
From Group companies 1,671 2,256 plan during the financial year
From others 2 0 Accumulated amortisation according to -644 -253
Interest income from non-current 1,673 2,256 plan during the financial year
investments, total Carrying amount at the end of the period 3,165 2,554
Interest expenses and other financial expenses Prepayments for intangible assets
To others -1,783 -1,935 Acquisition cost at the beginning 217 15
Interest expenses and other financial -1,783 -1,935 Additions 440 217
expenses, total Transfers between items -217 -15
Carrying amount at the end of the period 440 217
Financial income and expenses, total -110 321
Intangible assets, total
1.7. Appropriations Acquisition cost at the start
of the financial year
6,145 3,114
EUR 1,000 2019 2018 Additions 1,597 3,015
Difference between depreciation Transfers between items 0 17
according to plan and depreciation Acquisition cost at the end of the period 7,742 6,145
in taxation -274 -501 Accumulated amortisation according to -1,143 -402
Group contributions received 6,000 2,900 plan during the financial year
5,726 2,399 Accumulated amortisation according to
plan during the financial year
-1,153 -741

1.8. Income taxes

EUR 1,000 2019 2018
Income taxes on actual operations
during the financial year
-604 -13
Income taxes total -604 -13

Notes to the balance sheet

2.1. Intangible assets

1.4. Depreciation and impairment EUR 1,000 31.12.2019 31.12.2018
EUR 1,000 2019 2018 Development costs
Depreciation according to plan Acquisition cost at the start of the 1,607 1,164
Intangible assets -1,153 -741 financial year
Property, plant and equipment -362 -331 Additions 443
-1,515 -1,072 Acquisition cost at the end of the period 1,607 1,607
Accumulated amortisation according to
plan during the financial year
-325 -61
1.5. Other operating expenses Accumulated amortisation according to -264 -264
EUR 1,000 2019 2018 plan during the financial year
Voluntary social security expenses -20 -58 Carrying amount at the end of the period 1,017 1,281
Facility expenses -237 -241 Other intellectual property rights
Vehicle expenses -5 -31 Acquisition cost at the start of 1,494 1,464
ICT expenses -2,175 -1,628 the financial year
Machinery and equipment expenses -1 -1 Additions 121 13
Sales, marketing and travel expenses -66 -49 Transfers between items 17
Administrative expenses -1029 -958 Acquisition cost at the end of the period 1,615 1,494
Accumulated amortisation according to
plan during the financial year
-544 -321
Other operating expenses, total -3,534 -2,966 Accumulated amortisation according to
plan during the financial year
-245 -223
Auditor's fees Carrying amount at the end of the period 827 950
audit fees -116 -70
auxiliary services -1 -10 Other long-term expenditures
-117 -80 Acquisition cost at the start
of the financial year
2,827 470
Additions 1,037 2,342
1.6. Financial income and expenses Transfers between items 217 15
EUR 1,000 2019 2018 Acquisition cost at the end of the period 4,082 2,827
Interest income from non-current investments Accumulated amortisation according to -273 -20
From Group companies 1,671 2,256 plan during the financial year
From others 2 0 Accumulated amortisation according to -644 -253
Interest income from non-current 1,673 2,256 plan during the financial year
investments, total Carrying amount at the end of the period 3,165 2,554
Interest expenses and other financial expenses Prepayments for intangible assets
To others -1,783 -1,935 Acquisition cost at the beginning 217 15
Interest expenses and other financial -1,783 -1,935 Additions 440 217
expenses, total Transfers between items -217 -15
Carrying amount at the end of the period 440 217
Financial income and expenses, total -110 321
Intangible assets, total
1.7. Appropriations Acquisition cost at the start
of the financial year
6,145 3,114
EUR 1,000 2019 2018 Additions 1,597 3,015
Difference between depreciation Transfers between items 0 17
according to plan and depreciation Acquisition cost at the end of the period 7,742 6,145
in taxation -274 -501 Accumulated amortisation according to -1,143 -402
Group contributions received 6,000 2,900 plan during the financial year
5,726 2,399 Accumulated amortisation according to
plan during the financial year
-1,153 -741
Carrying amount at the end of the period 5,447 5,003
EUR 1,000 2019 2018
Voluntary social security expenses -20 -58
Facility expenses -237 -241
Vehicle expenses -5 -31
ICT expenses -2,175 -1,628
Machinery and equipment expenses -1 -1
Sales, marketing and travel expenses -66 -49
Administrative expenses -1029 -958
Other operating expenses, total -3,534 -2,966
Auditor's fees
audit fees -116 -70
auxiliary services -1 -10
-117 -80
EUR 1,000 2019 2018
Interest income from non-current investments
From Group companies 1,671 2,256
From others 2 0
Interest income from non-current
investments, total
1,673 2,256
Interest expenses and other financial expenses
To others -1,783 -1,935
Interest expenses and other financial
expenses, total
-1,783 -1,935
Financial income and expenses, total -110 321

2.2. Property, plant and equipment

EUR 1,000 2019 2018
Machinery and equipment
Acquisition cost at the start
of the financial year
3,367 144
Additions 41 3,242
Transfers between items -19
Acquisition cost at the end of the period 3,408 3,367
Accumulated amortisation according to
plan during the financial year
-351 -23
Accumulated depreciation on disposals
and transfers
3
Accumulated amortisation according to
plan during the financial year
-362 -331
Carrying amount at the end of the period 2,695 3,015
Property, plant and equipment, total
Acquisition cost at the start
of the financial year
3,367 144
Additions 41 3,242
Transfers between items 0 -19
Acquisition cost at the end of the period 3,408 3,367
Accumulated amortisation according to
plan during the financial year
-351 -23
Accumulated depreciation on disposals
and transfers
0 3
Accumulated amortisation according to
plan during the financial year
-362 -331
Carrying amount at the end of the period 2,695 3,015

2.3. Investments

EUR 1,000 2019 2018
Shares in subsidiaries
Acquisition cost at the start
of the financial year
204,485 173,791
Additions 80,000 30,694
Acquisition cost at the end of the period 284,485 204,485
Total investments 284,485 204,485

A full list of the Group's subsidiaries is presented in Note 31 "Related party transactions" to the consolidated financial statements.

2.4. Non-current receivables

EUR 1,000 2019 2018
Receivables from others
Lease deposits given 37 61
37 61
Total non-current receivables 37 61

2.5. Current receivables

2019 2018
263 47
1,422 1,846
1,685 1,894
57 480
35,283 110,018
6,047 2,916
41,387 113,414
6,000 2,900
850
1 102
1,469 910
7,470 4,762
43,072 115,308

2.6. Equity

EUR 1,000 2019 2018
Restricted equity
Share capital at the beginning 80 80
Share capital at the end 80 80
Total restricted equity 80 80
Unrestricted equity
Reserve for invested unrestricted equity
at the beginning
183,190 153,085
Directed share issue 30,105
Reserve for invested unrestricted equity
at the end
183,190 183,190
Retained earnings at the beginning 24,178 27,745
Dividends paid -2,262 -3,619
Retained earnings 21,915 24,126
Profit for the period 2,329 52
Total unrestricted equity 207,435 207,368
Total equity 207,515 207,448
Distributable unrestricted equity
Retained earnings 21,915 24,126
Profit for the period 2,329 52
Reserve for invested unrestricted equity 183,190 183,190
Capitalised development costs -1,017 -1,281
206,418 206,087
Number of shares 22,620,135 22,620,135

2.7. Accumulated appropriations

EUR 1,000 2019 2018
Accumulated depreciation difference 787 514
2.8. Mandatory provisions
EUR 1,000 2019 2018
Onerous contracts 74

2.9. Liabilities

2.9.1. Non-current liabilities

EUR 1,000 2019 2018
Liabilities to others
Loans from financial institutions 100,000 91,000
Other non-current liabilities 1,673 2,368
Lease deposits received 36
101,709 93,368
Non-current liabilities, total 101,709 93,368

2.9.2. Current liabilities

EUR 1,000 2019 2018
Liabilities to others
Loans from financial institutions 501
Trade payables 1 559 253
Other liabilities 743 793
Accrued liabilities 395 263
3 199 1 308
Liabilities to Group companies
Trade payables 85 79
Accrued liabilities, interest 1
Other liabilities 22 382 27 427
22 468 27 507
Material items included under
Accrued liabilities
Personnel expense allocations 137 92
Interest allocations 164 111
Taxes 60
Other items 35 61
395 264
Current liabilities, total 25 666 28 816

Other notes

EUR 1,000 31.12.2019 31.12.2018
Vakuudet ja vastuusitoumukset
Collaterals given on behalf of Group
companies
Other sureties 19

Pihlajalinna's financing arrangements

Pihlajalinna has a five-year EUR 120 million unsecured financing arrangement with Danske Bank and Nordea. The arrangement comprises a EUR 50 million revolving credit facility and a long-term bullet loan of EUR 70 million. It also includes an opportunity to increase the total amount by EUR 60 million (to EUR 180 million), subject to separate decisions on a supplementary loan from the funding providers.

The financing arrangement includes the customary leverage (ratio of net debt to pro forma EBITDA) and gearing covenants. The adoption of IFRS 16 does not affect the calculation of financial covenants. The calculation of covenants will continue with the creditor banks in accordance with the accounting principles confirmed in the original financing arrangement (frozen GAAP).

At the end of the reporting period, 31 December 2019, the withdrawn loan amount to which the covenants apply was EUR 100.0 million (EUR 91.0 million). The maximum value of the leverage covenant is 3.75 and the maximum value of the gearing covenant is 115%. The closer the Group's leverage covenant is to the maximum value, the higher the loan margin. The Group met the set covenants on 31 December 2019, with the leverage ratio being 3.31 (2.61) and gearing 99% (69%).

The group has credit limit agreements valid until further notice, totalling EUR 10 million. The notice period of the credit limit agreements is one month. At the end of the review period, Pihlajalinna had a total of EUR 29.5 million in unused committed credit limits.

When the voluntary recommended public cash tender offer of Mehiläinen Yhtiöt Oy materialises, the provision on change of control of Pihlajalinna's financing arrangements will apply. According to the provision, the funding providers are entitled to terminate the financing arrangement prematurely following a material change of control. After the announcement of the final result of the tender offer, Pihlajalinna and the funding providers have 30 business days to agree on the impacts of the change of control on the financing arrangement.

EUR 1,000 2019 2018
Lease commitments
Within one year 147
Between one and five years 304 559
Over five years later 342 478

STRATEGY

PARTNERSHIP REPORT BY THE BOARD OF DIRECTORS STATEMENTS

AUDITED FINANCIAL INFORMATION FOR SHAREHOLDERS

Auditor's Note

A report on the performed audit has been issued today.

Tampere, 17 February 2020

KPMG Oy Ab

Lotta Nurminen

Authorised Public Accountant

Mikko Wirén Chairman

Leena Niemistö

Kati Sulin Seija Turunen

Matti Jaakola Hannu Juvonen

Mika Manninen

Joni Aaltonen

CEO

Dates of and signatures to the report by the board of directors and the financial statements

Helsinki, 13 February 2020

Report on the Audit of the Financial Statements

Opinion

We have audited the financial statements of Pihlajalinna Plc (business identity code 2617455-1) for the year ended 31 December 2019. The financial statements comprise the consolidated statement of financial position, statement of comprehensive income, statement of changes in equity, statement of cash flows and notes, including a summary of significant accounting policies, as well as the parent company's balance sheet, income statement, cash flow statement and notes.

In our opinion

  • the consolidated financial statements give a true and fair view of the group's financial position, financial performance and cash flows in accordance with International Financial Reporting Standards (IFRS) as adopted by the EU
  • the financial statements give a true and fair view of the parent company's financial performance and financial position in accordance with the laws and regulations governing the preparation of financial statements in Finland and comply with statutory requirements.

Our opinion is consistent with the additional report submitted to the Audit Committee.

Basis for Opinion

We conducted our audit in accordance with good auditing practice in Finland. Our responsibilities under good auditing practice are further described in the Auditor's Responsibilities for the Audit of the Financial Statements section of our report.

In our best knowledge and understanding, the non-audit services that we have provided to the parent company and

group companies are in compliance with laws and regulations applicable in Finland regarding these services, and we have not provided any prohibited non-audit services referred to in Article 5(1) of regulation (EU) 537/2014. The non-audit services that we have provided have been disclosed in note 6 to the consolidated financial statements.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Materiality

We are independent of the parent company and of the group companies in accordance with the ethical requirements that are applicable in Finland and are relevant to our audit, and we have fulfilled our other ethical responsibilities in accordance with these requirements. description of key audit matters below. We have also addressed the risk of management override of internal controls. This includes consideration of whether there was evidence of management bias that represented a risk of material misstatement due to fraud.

The scope of our audit was influenced by our application of materiality. The materiality is determined based on our professional judgement and is used to determine the nature, timing and extent of our audit procedures and to evaluate the effect of identified misstatements on the financial statements as a whole. The level of materiality we set is based on our assessment of the magnitude of misstatements that, individually or in aggregate, could reasonably be expected to have influence on the economic decisions of the users of the financial statements. We have also taken into account misstatements and/or possible misstatements that in our opinion are material for qualitative reasons for the users of the financial statements.

Key Audit Matters

Key audit matters are those matters that, in our professional judgment, were of most significance in our audit of the financial statements of the current period. These matters were addressed in the context of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters. The significant risks of material misstatement referred to in the EU Regulation No 537/2014 point (c) of Article 10(2) are included in the

Auditor's Report To the Annual General Meeting of Pihlajalinna Plc

PIHLAJALINNA 2019

PARTNERSHIP REPORT BY THE

BUSINESS AND RESPONSIBILITY STRATEGY PIHLAJALINNA 2019

BOARD OF DIRECTORS AUDITED FINANCIAL STATEMENTS

INFORMATION FOR SHAREHOLDERS

The key audit matter How the matter was addressed in the audit

Goodwill impairment assessment (refer to note 14 to the consolidated financial statements)

  • The Group has expanded its activities through acquisition of companies. As a result, the consolidated statement of financial position includes goodwill totaling EUR 173.6 million. The Group has changed its reporting structure during the financial year and the Group has transferred into one operating segment.
  • Goodwill is not amortized but is tested at least annually for impairment. Determining the cash flow forecasts underlying the impairment tests requires management make judgments over certain key inputs, for example revenue growth rate, discount rate, long-term growth rate and inflation rates.
  • Due to the high level of judgement related to the forecasts used, and the significant carrying amounts involved, goodwill impairment assessment is considered a key audit matter. • Furthermore, we considered the appropriateness of the Group's disclosures in respect of goodwill and impairment testing.

Changes in Group structure and their accounting treatment (refer to notes 27, 28 and 29 to the consolidated financial statements)

  • Several changes have taken place in the Group structure in the financial year ended due to business combinations and subsidiary mergers. In addition, changes have taken place in the non-controlling interests due to share purchases.
  • In business combinations, the assets and liabilities of the acquiree are measured at fair value at the date of the acquisition which requires management to make estimates. Arrangements may also involve contingent considerations, determination of which also requires management to make estimates on future financial performance of the company, for example. The contingent consideration is measured at fair value at each reporting date.
  • Intra-group structural changes require documentation in accordance with the statutes. However, it needs to be ensured that the changes do not affect the consolidated statement of comprehensive income or statement of financial position.
  • Due to the high level of judgement related to the entries recorded resulting from the changes in the Group structure, specific form required for the documentation and the number of changes, the entries and administrative documentation are considered a key audit matter.

  • Our audit procedures included, among others, assessing key inputs in the calculations such as revenue growth rate, profitability and discount rate, by reference to the parent company's Board approved budgets, data external to the Group and our own views. • We assessed the historical accuracy of forecasts prepared by management by comparing the actual results for the year with the original forecasts.

  • We involved KPMG valuation specialists that assessed the technical accuracy of the calculations and compared the assumptions used to market and industry information.
  • For business combinations we considered the purchase agreements, evaluated the valuation principles of the assets and liabilities of the acquiree and the underlying assumptions used, as well as assessed the technical accuracy of the purchase price allocations. We also assessed the existence of intangible assets based on the transferred business and goodwill generated in the acquisition.
  • Our audit procedures also included assessing fair values of any additional or contingent considerations for business combinations made in the current and previous financial years.
  • We involved KPMG valuation specialists that assessed the appropriateness of the valuation principles applied.
  • Regarding intra-group structural changes, we assessed the appropriateness of the administrative documents and continuity in the accounting as well as ensured that the arrangements do not affect the consolidated statement of comprehensive income or statement of financial position.
  • Furthermore, we considered the appropriateness of the Group's disclosures in respect of the changes in the Group structure.

Responsibilities of the Board of Directors and the Managing Director for the Financial Statements

The Board of Directors and the Managing Director are responsible for the preparation of consolidated financial statements that give a true and fair view in accordance with International Financial Reporting Standards (IFRS) as adopted by the EU, and of financial statements that give a true and fair view in accordance with the laws and regulations governing the preparation of financial statements in Finland and comply with statutory requirements. The Board of Directors and the Managing Director are also responsible for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the Board of Directors and the Managing Director are responsible for assessing the parent company's and the group's ability to continue as a going concern, disclosing, as applicable, matters relating to going concern and using the going concern basis of accounting. The financial statements are prepared using the going concern basis of accounting unless there is an intention to liquidate the parent company or the group or cease operations, or there is no realistic alternative but to do so.

Auditor's Responsibilities for the Audit of the Financial Statements

  • Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with good auditing practice will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of the financial statements.
  • As part of an audit in accordance with good auditing practice, we exercise professional judgment and maintain professional skepticism throughout the audit. We also:
  • Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.

The key audit matter How the matter was addressed in the audit

Judgmental items relating to municipality outsourcing contracts (refer to notes 1 and 17 to the consolidated financial statements) and emphasis of matter

We would like to draw attention to note 17 where the key accounting estimates and decisions based on management judgements related to the receivables totaling EUR 12.8 million are presented. The receivables may contain uncertainty due to agreements open to interpretations as well as delays between recognizing the receivable and receiving payment, among other things. Our opinion has not been qualified by this matter.

  • A notable proportion of the Group's revenue is based on longterm outsourcing contracts with municipalities. These include both complete outsourcing contracts for social and healthcare services as well as other outsourcing contracts.
  • The Group's profitability of complete outsourcing contracts for social and healthcare services may become more accurate with a delay. The Group may not always be aware of the actual costs of the agreements during the financial year and there may be variable considerations included.
  • High level of management judgement, which can have a significant impact on the consolidated profit and statement of financial position, is involved in the accounting for outsourcing contracts due to the extent of the contracts, definitions of contractual obligations and amendment clauses for changed situations.
  • In note 17 section Key accounting estimates and decisions based on management judgement the following items relating to outsourcing contracts with municipalities totalling EUR 12.8 million are presented:
  • The city of Jämsä has taken legal action against Jämsän Terveys Oy over the service agreement. The dispute concerns the provision on price adjustments pursuant to the service agreement. The difference of opinion regarding the determination of the annual price totalled approximately EUR 1.8 million at the time of the financial statements. Jämsän Terveys Oy includes other receivables amounting to a total of EUR 3.1 million from the city of Jämsä, associated with the increased costs of specialised care and increased regulatory requirements for services for senior citizens.
  • Kuusiolinna Terveys Oy has trade and other receivables totalling EUR 4.5 million from a client. The outstanding receivables are associated with increased regulatory requirements for services for senior citizens, costs of specialised care and the calculation of net expenditure.
  • Mäntänvuoren Terveys Oy has trade and other receivables totalling EUR 1.2 million from a client. The receivables are associated with increased regulatory requirements for services for senior citizens and the calculation of net expenditure pursuant to the previous agreement.
  • Kolmostien Terveys Oy has trade and other receivables of EUR 0.4 million from a client relating to the increased regulatory requirements for services for senior citizens.
  • On the date of the financial statements, the group's receivables include a total of EUR 1.6 million in service provider refunds for public sector specialised care cost accruals, estimated on a municipality-specific basis. In addition, the group has a total of EUR 0.2 million of overdue receivables from Kihniö and Juupajoki.
  • Due to the significant amount of accounting estimates in relation to the result for the period and equity, and partly to the receivables being past due, recognized judgmental items relating to the municipality outsourcing contracts are considered a key audit matter.

• The subsidiaries administering the significant municipality outsourcing contracts are audited by another audit firm. We participated in that audit firm's risk assessment in order to also identify the risk of a material misstatement in the consolidated financial statements. We instructed the other audit firm to report to us on their audit of these subsidiaries, discussed their significant findings with their lead partner, received reporting on their audit and assessed the appropriateness of the audit firm's work from the perspective of the audit of the consolidated financial statements. • We observed the judgmental items recorded in the consolidated financial statements through discussions with management, analytically and by performing substantive testing where applicable. We requested related agreements, calculations and administrative

documents for our use.

• We assessed the recognition principles applied to judgmental income and expense items against IFRS principles and considered the appropriateness of the Group's disclosures in respect of judg-

mental items.

• We assessed how the Group has received payments relating to

previously recognized judgmental items.

• We requested documentation for juridical basis for recognizing these items from the Group's general counsel and representation letter from the management about the collectability of these

receivables.

• We requested a legal representation letter about the legal action

in the district court.

• We reported in more detail about the contents of these judgemental items to the Audit Committee and the Board of Directors.

Adoption and application of the standard IFRS 16 Leases (refer to Accounting policies of the consolidated financial statements, notes 15 and 23 to the consolidated financial statements)

  • The Group adopted the new accounting standard IFRS 16 Leases on 1 January 2019 fully retrospectively and adjusted the financial figures for the comparison year 2018.
  • The Group has a large number of various kind of lease arrangements concerning business premises, land areas as well as machinery and equipment.
  • Determining lease liabilities and right-of-use assets requires management to make judgments over the length of lease periods and discount rates, among other things.
  • In the financial statements 31 December 2019, the right-of-use assets total EUR 108.1 million and lease liabilities EUR 114.2 million.
  • Due to the adoption of the new accounting standard IFRS 16, large amount of right-of-use assets and lease liabilities and related management judgements, the accounting for lease arrangements is considered a key audit matter.

• Our audit procedures included evaluation of the recognition principles for lease arrangements applied by the Group and assessment of their appropriateness by reference to IFRS standards. • We assessed key inputs in the calculations relating to the length of the lease periods, discount rates and depreciation periods of right-of-use assets, as well as compared on a spot check basis the terms, euro amounts and index changes in certain, most significant lease agreements to the data used in calculations. We assured, based on the calculation prepared by the company that all significant lease arrangements have been identified. • We considered the appropriateness of the Group's disclosures in respect of lease arrangements.

Pihlajalinna share price development 2019

ended on 31 December 2019. If the public tender offer does not realise, the Board of Directors will reconsider the matter.

Investment survey

As far as Pihlajalinna is aware, the following investment banks and stockbrokers monitor Pihlajalinna and publish reports on the company: Pihlajalinna is not liable for the estimates presented in the analyses.

  • Danske Bank
  • Carnegie
  • Inderes
  • OP
  • SEB
  • Evli

Contact details:

Marko Savolainen, Chief Legal Officer, +358 400 195213, [email protected]

Tarja Rantala, CFO, +358 40 7749290, [email protected]

Additional information is available in the investor section at investors.pihlajalinna.fi

Follow us:

twitter.com/pihlajalinna facebook.com/pihlajalinna instagram.com/pihlajalinnaig youtube.com/channel/UCjs0NCxVJkZPyeb1T6fpRgQ linkedin.com/company/pihlajalinna/

Annual General Meeting

The Annual General Meeting of Pihlajalinna Plc will be held in Tampere-talo, Duetto 2 meeting room, located at Yliopistonkatu 55, 33100 Tampere, on Wednesday, 15 April 2020 at 10:30 a.m. The reception of participants who have registered for the meeting will commence at 9:30 a.m. Shareholders are offered an advance voting possibility in order to participate in decisionmaking of the Annual General Meeting. The meeting can be followed remotely.

Right to participate

A shareholder entered in the list of the company's shareholders maintained by Euroclear Finland Ltd on the record date of the General Meeting, 1 April 2020, has the right to participate in the General Meeting.

Registration

A shareholder who is registered in the shareholders' register and wants to participate in the General Meeting, shall register for the meeting no later than 6 April 2020 at 10:00 am. Registration for the meeting is possible via the registration link on the website at investors.pihlajalinna.fi, by letter to Pihlajalinna Oyj, Yhtiökokous 2020, Kehräsaari B, 33200 Tampere, by e-mail to [email protected] or by telephone on +358 (0)20 770 6896 (9 a.m.–4 p.m.).

Any proxies are requested to be delivered as original copies before the end of the registration period to Pihlajalinna Oyj, Yhtiökokous 2020, Kehräsaari B, 33200 Tampere, Finland.

Payment of dividend

Due to the tender offer by Mehiläinen, the Board of Directors proposes no dividends to be paid for the financial year that

Information for shareholders

Pihlajalinna's financial reporting in 2020

The interim reports will be published at approximately 8:00 a.m. in Finnish and English, and they will be available on Pihlajalinna's website at investors.pihlajalinna.fi.

Pihlajalinna's management organises information events for analysts and the media on a regular basis.

Pihlajalinna complies with a silent period of 30 days and a closed window before the publication of results.

  • • Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the parent company's or the group's internal control.
  • Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by management.
  • Conclude on the appropriateness of the Board of Directors' and the Managing Director's use of the going concern basis of accounting and based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the parent company's or the group's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor's report. However, future events or conditions may cause the parent company or the group to cease to continue as a going concern.
  • Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events so that the financial statements give a true and fair view.
  • Obtain sufficient appropriate audit evidence regarding the financial information of the entities or business activities within the group to express an opinion on the consolidated financial statements. We are responsible for the direction, supervision and performance of the group audit. We remain solely responsible for our audit opinion.

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

We also provide those charged with governance with a statement that we have complied with relevant ethical requirements regarding independence, and communicate with them all relationships and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards.

From the matters communicated with those charged with governance, we determine those matters that were of most significance in the audit of the financial statements of the current period and are therefore the key audit matters. We describe these matters in our auditor's report unless law or regulation precludes public disclosure about the matter or when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication.

Other Reporting Requirements

Information on our audit engagement

We were first appointed as auditors by the Annual General Meeting when Pihlajalinna Plc was established on 15 April 2014 and our appointment represents a total period of uninterrupted engagement of six years. In Pihlajalinna Terveys Oy we were first appointed as auditors for the financial year ended 31 December 2010. Pihlajalinna Plc became a public interest entity on 8 June 2015. We have been the company's auditors since it became a public interest entity.

Other Information

The Board of Directors and the Managing Director are responsible for the other information. The other information comprises the report of the Board of Directors and the information included in the Annual Report, but does not include the financial statements and our auditor's report thereon. We have obtained the report of the Board of Directors prior to the date of this auditor's report, and the Annual Report is expected to be made available to us after that date. Our opinion on the financial statements does not cover the other information.

In connection with our audit of the financial statements, our responsibility is to read the other information identified above and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit, or otherwise appears to be materially misstated. With respect to the report of the Board of Directors, our responsibility also includes considering whether the report of the Board of Directors has been prepared in accordance with the applicable laws and regulations.

In our opinion, the information in the report of the Board of Directors is consistent with the information in the financial statements and the report of the Board of Directors has been prepared in accordance with the applicable laws and regulations.

If, based on the work we have performed on the other information that we obtained prior to the date of this auditor's report, we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Tampere 17 February 2020

KPMG OY AB

Lotta Nurminen

Authorised Public Accountant, KHT

Talk to a Data Expert

Have a question? We'll get back to you promptly.