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Tulikivi Oyj

Annual Report Mar 10, 2009

3347_10-k_2009-03-10_d3a2cb59-e746-450b-9cbf-8f2d59eaaeee.pdf

Annual Report

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Contents

The Year 2008 in Brief 3
Strategic Policies 4
Managing Director's Review 6
Fireplaces 8
Natural Stone Products 10
Utility Ceramics 11
Corporate Responsibility 12
Shareholder Policy 14
Highlights of the Year 2008 15
Board of Directors 16
Corporate Governance 18
Management Group 22
Information for Shareholders 24
Tulikivi Corporation's Stock Exchange Releases and
Announcements in 2008 25
Board of Directors' Report and Financial Statements 26
Board of Directors' Report 27
Consolidated Financial Statements, IFRS 32
Key Financial Indicators 65
Calculation of Key Ratios 67
Parent Company Financial Statements, FAS 68
Tulikivi Corporation's Shareholders and
Management Ownership 77
Signatures to Report of the Board and
Financial Statements 78
Auditors' Report 78
Contact Information 79
2008 2007 Change,
%
Net Sales, MEUR 66.5 69.9 -4.8
Operating profit, MEUR
Profit before
3.2 1.0 236.4
income tax, MEUR
Return on
2.1 0.2 1 189.4
investments, % 6.8 2.5
Solvency ratio, % 41.2 43.9
Earnings per share,
EUR 0.04 0.01 295.5
Equity per share,
EUR 0.73 0.74 -1.0
Payment of dividend on
A share, EUR 0.0280 0.0450 -37.8
K share, EUR 0.0263 0.0433 -39.3

Tulikivi's mission, vision and values

OUR MISSION

Tulikivi Corporation brings warmth and comfort to homes with high-quality branded products that are environmentally friendly and complement interiors.

OUR VISION

Tulikivi is a growing and highly profitable company of solid financial standing. It is a leader in selected market areas specialising in branded heating products and natural stone products for homes. Tulikivi's products are well-suited to modern energy-efficient building and modernisation methods and to supplement the heating systems of low-rise houses. As markets develop, Tulikivi will expand its operations to new product groups and new markets, through corporate acquisition if needed.

FINANCIAL TARGET FOR FIVE YEARS

  • To attain organic growth in excess of 5 per cent a year
  • To seek growth also through mergers and acquisitions
  • To improve relative profitability by 2 percentage points a year
  • To have efficient production technology and quarrying operations
  • To be cost-efficient and to have product policies
  • To make efficient use of all resources
  • Capital management
  • To improve stock turnover
  • To maintain the current level of investments

• Tulikivi will pay out a dividend equalling about one half of its annual earnings, while keeping its equity ratio at no less than 40 per cent

OUR VALUES

Courage is Tulikivi's most important value. It is evident in our decision-making ability, our confidence in our vision, our acceptance of facts and our determination to finish what we have started.

Of all of Tulikivi's values, the one that best characterizes the company is entrepreneurship -being proactive, goal-oriented, committed to targets and looking ahead.

Tulikivi values its satisfied customers. We find out what our customers need, listen to them, keep our promises and exceed their expectations.

Our business is founded on fair play. This means being honest with ourselves and putting our money where our mouth is.

Return on capital greater than 20%

TULIKIVI'S COMPETITIVE STRATEGY

Tulikivi's goal is to sell 20 000 branded fireplaces in 2011. The fireplaces are made with our own raw materials on a centralised and modular basis; they are environmentally friendly and complement customers' interiors. We sell them with the help of our highly committed partners in affluent market areas with a cold climate where the benefits of bioenergy are valued.

OWN RAW MATERIALS AND CENTRALISED PRODUCTION

We make efficient use of our raw materials, taking the entire production chain into consideration. We improve profitability by centralising operations.

A MODULAR AND ENVIRONMENTALLY-FRIENDLY PRODUCT LINE

Modularity of the product line means more effective production and sales. Our products are proven to be environmentally-friendly.

BRANDED FIREPLACES THAT COMPLEMENT INTERIORS

Our products are respected and meet high design standards. Our product line includes products that suit different needs.

MARKET

Consumers who value energy-efficiency, environmentally-friendliness and the comfort of wood heating.

PARTNERS

Committed dealers who consider Tulikivi their top product.

Year of Change

The year 2008 was a busy one for the Tulikivi Group. In the early part of the year the Group focused on bringing its costs into line with the weakening market situation. Following the vigorous flow of orders in the early months of the year, the volume of new construction on the Finnish market fell sharply. In central Europe the situation was rather better, as exports of Tulikivi fireplaces picked up quite briskly in the autumn on account of the higher consumer prices for energy and the timely onset of winter.

The effects of the financial crisis in the fourth quarter of the year were evident in the level of demand in all product groups.

The Tulikivi Group's net sales were down by about five per cent in 2008, to EUR 66.5 million. Thanks to the efficiency measures put in place, the company's pre-tax profit improved to EUR 2.1 million for the full year. The cash flow, which rose to MEUR 7.6 was also an indication of the success of the efficiency drive.

Despite a reduction in the number of personnel in 2008, the company has sought to treat its employees well. The focus on employee wellbeing has produced results. Absences have fallen by more than one percentage point, to 6.5 per cent, and a reduction has been achieved in the occupational accident rate.

FURTHER RENEWAL AND HARMONISATION OF OUR OPERATIONS

As well as looking for greater efficiency within the different units, we have also focused on making the entire Group's processes more efficient. The company now operates in a way that supports the development of our various processes very well. The work to develop our processes will provide a sound basis for the renewal of our information systems.

The aim is that, alongside our existing ISO 9001 quality management system, we should also obtain ISO 14001 certification for our environmental management system. Environmental matters have been well managed at Tulikivi, and in future we intend to be more active in issuing information on these matters.

Attention was also given to the quality of internal reporting during the year. Measuring all aspects of our operations as well as possible is essential for successfully developing these operations in the future.

COMPETITION STRATEGY

Tulikivi's goal is to sell 20 000 branded fireplaces in 2011, made from our own raw materials on a centralised and modular basis. Our fireplaces will all be environmentally friendly and attractively designed to complement customers' interiors. Sales of fireplaces will be targeted at affluent market areas with a climate suitable for their use and where the benefits of bioenergy are valued, and will involve close collaboration with our highly committed partners.

TULIKIVI'S STRENGTHS IN A CHANGING OPERATING ENVIRONMENT

Our vision is based on Tulikivi's traditional strengths: a respected brand, differentiated products based on use of our own raw materials, and excellent product characteristics. In order to secure growth we will seek to expand our market area, focusing primarily on Russia and those European countries in which Tulikivi has no distribution at present.

Our aim is to increase net sales through our own products in preference to subcontracting. With this in mind, we will be increasing exports of Kermansavi products to Russia under the Tulikivi brand, and will be launching new product groups on the European market.

Emissions test requirements for products and the growing demands of consumers regarding various product characteristics will add to product development costs, especially in the international market. We firmly believe that this trend will favour the larger manufacturers in the longer run, and this is why we have sought to make our products more modular in nature, which has implications for the combustion technology and appearance.

The bioenergy sector has been evolving strongly in recent years, and energy savings have also been a key theme in construction. These trends must be taken into account in the development of new products. Though they also present a challenge for existing products, they do at the same time present development opportunities for entirely new product groups. Tulikivi's highly committed partners throughout its dealer network are in a position to provide valuable support for the company in its product development work in the constantly changing market.

TRADITIONAL ADVANTAGES MUCH APPRECIATED

It has been encouraging to see that Tulikivi's products have retained their competitive advantage very well in Europe, also among builders of modern, energy-efficient homes. In France and the Benelux countries, for instance, our fireplaces have achieved a reputation as excellent "heat generators". This level of appreciation has been reinforced by the recent uncertainties in energy distribution throughout Europe.

MORE SYNERGY FOR PRODUCT GROUPS

Key challenges for the future are the need for further synergy between the existing product groups, in both manufacturing and product development. The aim is that the benefits of our special expertise in ceramics and natural stone should be given greater attention in our fireplace designs. Ceramic production at Heinävesi will in future focus strongly on the needs of the Fireplaces Business.

IMPROVED PROFITABILITY BY CENTRALISING OPERATIONS

The company decided to launch a programme of profitability and centralisation measures at the end of January 2009, with the aim of securing profitability in the future, too. The programme is intended to achieve annual savings of approximately EUR 5 million. The programme will centralise the operations of the Fireplaces Business and Group administration, and product groups with poor profitability will be discontinued.

The current year, 2009, will be an exceptionally difficult one. Tulikivi has been going through a concentrated period of change in recent years, and the company's management and employees are firmly committed to developing Tulikivi's operations. Despite the challenging situation, we enjoy our work. I would like to warmly thank all our personnel and partners for their valuable efforts, and my thanks also go to all our shareholders for the past year.

Juuka, February 10, 2009

Heikki Vauhkonen, Managing Director

Fireplaces

Tulikivi Corporation's Fireplaces Business includes fireplaces sold under the Tulikivi and Kermansavi brands and soapstone linings for European heater manufacturers. The Fireplaces Business includes product marketing and sales and the chain from product manufacture right up to customer delivery. It also includes R&D for the segment's products.

EXPORT MARKET

Exports of Tulikivi fireplaces grew over 15 per cent in 2008. The main fireplace export markets were France, Belgium, Germany and Russia. Other markets are Sweden, the Baltic countries, Switzerland, Austria, Italy, the Netherlands and North America. Sales increased in all of the principal export countries in the year under review, despite the declining economy, with most of the growth occurring in the latter part of the period. The underlying reason was the productive cooperation with importers and dealers. What is more, the modern and clean-burning Tulikivi line that was launched in 2006 has improved our competitiveness in the market. Concerns about the economy affected sales especially in Sweden, the Baltic countries and North America.

2006 was a record year in the European fireplace market, and the market actually overheated. Good sales figures were boosted by the rapid increase in energy prices. The rapid increase in the price and in some areas the actual shortage of wood, and the problems in the availability of installation capacity and certain materials attested to the overheated market. The overheating led to a shrinking market in 2007, with demand for fireplaces declining strongly, despite the fact that energy prices remained high and the economic situation was still very good. The decline was also amplified by a mild winter. In 2008, the fireplace market returned to its normal level.

Growth continued at an even pace in France, which is Tulikivi's principal export country. France still grants a considerable tax incentive for energy-saving measures but the incentive is not as substantial as it used to be. It is likely to remain in force until the end of 2009 and then be discontinued.

Tulikivi has further strengthened its solid market position in Belgium, thanks to excellent cooperation with the local importer.

An obvious upturn in sales took place in Germany despite the recession, although the fireplace market as a whole did not expand. Improvement of distribution channels and the tightening of networks were continued by seeking new partners.

Solid growth continued in Russia, with sales concentrated in the final part of the year, despite the increasing economic uncertainty. The growth was achieved in the metropolitan areas of St. Petersburg and Moscow as a result of the improved operations of our partners. Tulikivi reorganised its operations in Russia during the year, and the company opened an import warehouse St. Petersburg. Russia will continue to be one of our most potential areas of growth. Tulikivi seeks to reinforce its position in the St. Petersburg and Moscow regions and expand its business to other key cities through its partner network.

FINNISH MARKET

Uncertainty hit the Finnish economy with force in October and November. There was also evidence of this in the outlook for construction. The forecast for low-rise house construction in 2009 fell from the earlier figure of 10 000 starts to about 8 000. However, almost 12 000 starts took place in 2008 while the number of starts in the record years of 2005 and 2006 was as high as 16 000. Renovation of flats and houses is expected to increase, despite the uncertain economic outlook.

According to our estimate the fireplace market declined more than 10 per cent in 2008. Less than half of the fireplaces sold each year in Finland go into new buildings and correspondingly, just over half go into renovated ones. Tulikivi's Kermansavi brand is more popular with new builders and Tulikivi with renovators.

Tulikivi's fireplace sales in Finland decreased more than 15 per cent in 2008. This drop in sales concentrated heavily on the latter part of the year. Sales of Kermansavi products decreased considerably more than sales of Tulikivi fireplaces. The main reason for the poor sales was the rapidly increasing economic uncertainty and the decline in new building.

Tulikivi continued to develop its distribution channel systematically. The Tulikivi Showrooms have a clear concept for visibility, look and operation. In addition to fireplaces, the Showrooms provide a comprehensive service which includes site visits, consultation and design services, including applications for any permits that are needed, installation of all products, removal of old fireplaces, flue solutions, fireplace accessories and service of previously purchased fireplaces.

At the end of the year, Tulikivi fireplaces were sold at 35 Tulikivi Showrooms and almost 30 Tulikivi Service Points that supplement the network of showrooms. Most Tulikivi Service Points are located in hardware stores. The Service Points have a small fireplace display based on the concept's requirements and a salesperson with sufficient expertise. The number of Service Points will continue to be increased rapidly, especially in smaller towns and rural centres. The aim is to reach renovators more successfully.

LINING STONES

Variation in demand for fireplaces in Europe and especially Germany has had a direct impact on the sales of lining stones for Tulikivi heaters. In 2006, sales of lining stones increased nearly 150 per cent, but fell by a third in 2007 and another third in 2008. The decrease in sales in 2008 was heavily concentrated on the early part of the year, while in the latter part they were significantly higher than a year before.

PRODUCTION

At the beginning of the year, fireplace production was terminated in Kuhmo and the third production shift was discontinued in Suomussalmi. However, this did not remove all overcapacity in production, which mainly affected the early part of the year. Capacity was adjusted with temporary lay-offs. Tulikivi makes tiled stoves in Heinävesi, Tulikivi fireplaces in Juuka and lining stones in Suomussalmi and Juuka.

In addition to measures taken to reduce personnel costs, production has been improved on a wide scale. The benefits of the measures will mostly be realised in the near future. We have improved productivity by rationalising manufacture and products, increasing the utilisation rate of machinery by improving maintenance and break practices, paid special attention to warehousing and the capital committed to warehouses, management practices, metering and follow-up. We have also paid close attention to occupational safety.

PRODUCT DEVELOPMENT

The CE standard for heat-retaining fireplaces entered into force in Europe at the beginning of 2008. The standard must be implemented by the end of a two-year transition period, i.e. by the beginning of 2010. Tulikivi was the first manufacturer to implement the CE marking for heat retaining fireplaces in part of its product line during the spring of 2008. During 2008, product development focused on developing the entire collection to meet future emission regulations in different market areas and improving the manufacturability of products. This has required extensive testing programmes. During the first half of 2009, our entire collection, excluding a small number of products, will have the CE marking.

NET SALES PER GEOGRAPHICAL AREA, %

NET SALER PER BUSINESS AREA, %

Natural stone products

Natural stone is a durable and environmentally-friendly material that is perfect for many uses in the home, from kitchen and bathroom tops to flooring and for wall and stair cladding. Tulikivi's range of natural stone includes soapstone, granite, marble, limestone, travertine and slate.

In addition to interior decoration stone products, the Natural Stone Products Business includes paving stones and stone deliveries to construction sites to be used in facades, floors, stairs and walls. Paving stones are ideal for paths, borders, patios and stairs and for cladding walls, plinths, stairs and fences.

Tulikivi's natural stone factories are located in Taivassalo, Espoo and Juuka. The Taivassalo factory produces granite kitchen countertops and building stones. The Espoo factory makes kitchen and bathroom tops out of granite, marble, soapstone and limestone. Soapstone tiles are made in Juuka. Our main market for natural stone products is Finland. Roughly ten per cent of our products are exported, mostly to Sweden and Norway.

THE POPULARITY OF INTERIOR DECORATION STONES CONTINUES TO INCREASE

Interior decoration stones contribute to more than 80 per cent of the Natural Stones Products Business's sales. In 2008, we successfully enlarged both our retailer and partner networks and motivated our existing dealers. In addition, our active collaboration with interior designers and architects has also brought good results. We update the colours, tile sizes and surface finishes of the decoration stone range every year.

During 2008, we signed new dealer and chain agreements, continued the development of the overall interior decoration stone concept, intensified production and offer-delivery processes and actively trained dealers and enhanced their sales skills. Within the scope of interior decoration stones we offer measurement and installation services for kitchen countertops, adhesives and grouting for tiles, caring and protective products, cleaning products in various strengths, stone samples and training material.

BETTER PROFITABILITY THROUGH GREATER OPERATING EFFICIENCY

In 2009, the target of the Natural Stone Products Business is continued growth and improved profitability. Improving operating efficiency is key: balanced loading of production, greater efficiency in purchasing, and the most efficient use of raw materials as possible. The main focus will be in interior decoration stone products. We will also continue to train dealers and partners, improve sales work, and carry out active marketing and personnel development.

Utility ceramics

The utility ceramics range, sold under the Kermansavi brand, is primarily aimed at consumers and includes ceramic tableware, cookware and ornaments. Seventysix per cent of Finnish consumers are familiar with the Kermansavi brand name and 60 per cent own Kermansavi products.

Tulikivi's utility ceramics market is Finland. It is the only Finnish manufacturer whose products are made entirely in Finland. Production takes place at the company's Heinävesi plant in a manufacturing process largely shared with ceramic tile production for the company's fireplaces. All Kermansavi products have been granted the right to display the Association of Finnish Work's 'Made in Finland' Avainlippu label and they meet the requirements of the Ministry of Trade and Commerce (now Ministry of Employment and the Economy) decree 165/2006 and the EC regulation 1935/2004, which deal with materials and articles intended to come into contact with food.

COOPERATION WITH FINNISH DESIGNERS

Increasing imports of low-cost utility ceramics, the private label products of major retail chains and a strengthening in the position of Finnish producers have further tightened competition in 2008. Sales growth fell short of expectations in the year under review, therefore measures have been taken to adjust production accordingly.

Cooperation with young Finnish designers plays a central role in product development. In spring, we launched a service designed by Paola Suhonen and entitled Saimaa. In autumn, we launched a children's service entitled Karuselli and illustrated by the designer Elina Keltto. We also discontinued products that had poor turnover and were unprofitable.

EXPANSION OF DISTRIBUTION CHANNEL

In 2008, we focused on adding specialist shops to our

distribution channel. The Tulikivi Shop online store also came into its own as a distribution channel. In the case of the major retail chains, which are our principal distribution channel, we focused on improving product selection, presentation and brand visibility.

We will continue to develop the utility ceramics range. We will seek improved operational synergy with tile manufacturing and adjust costs to sales. We will continue to expand the distribution channel and increase sales volume with campaign products. In product development, we will continue our cooperation with young Finnish designers.

Corporate Responsibility

Tulikivi's operations are guided by the company's values. The company complies with laws and statutes in every facet of its work. We act responsibly towards our stakeholders, of whom the most important are our customers, personnel, shareholders and cooperation partners, both in Finland and abroad.

CLEANER-BURNING FIREPLACES FOR FINLAND

The 'Cleaner-burning fireplaces for Finland' programme launched by Tulikivi in autumn 2007 continued in autumn 2008 with another expert seminar arranged by the company. Through the program, Tulikivi aims to promote a cleaner environment in various ways by increasing public awareness of the following: correct wood burning techniques, the potential for increasing the use of firewood, and the new, environmentally-friendly options created by firebox solutions that are based on modern technology.

In conjunction with the seminar, Tulikivi's Managing Director, Heikki Vauhkonen, proposed a state subsidy model for Finland corresponding with those applied by France and Italy, where the state grants an investment subsidy to consumers for the purchase of a wood-burning fireplace. This is done to promote the consumption of bioenergy by private households.

As part of the 'Cleaner-burning fireplaces for Finland' programme, Tulikivi used various means, such as meetings, to inform those with influence, i.e. politicians and public servants of the programme goals.

ENVIRONMENTAL RESPONSIBILITY

Environmental issues are part of everyday working life in the Tulikivi Group, and we take note of these issues at the strategy planning stage, in making long-term action plans, and in defining annual focus areas.

We pay attention to environmental issues in our products' lifecycles throughout the entire design of production chain and in product development, and also during quarrying, product manufacture, and end use.

Tulikivi's environmental strategy is geared towards systematic progress in environmental efforts in specified sub-areas. Environmental issues are now a part of business management. The company has started to expand its ISO 9001-standard-compliant quality management system to also cover the requirements of ISO 14001, the environmental system standard. Tulikivi is preparing for the certification of the Group's environmental activities in 2009. The aim of environmental work is to improve the company's ability to use natural resources sparingly as well as to manage processes and products eco-efficiently in order to minimize their environmental loading. The Group complies with the environmental legislation and norms that concern its operations and seeks to engage in anticipatory environmental work to meet the Group's internal requirements and the challenges posed by stakeholders.

The most notable environmental projects of 2008 were the commencement of construction at the soapstone quarry in Vaaralampi, Juuka, and the construction of the related Huutojoki channel. The environmental permit for the Vaaralampi mining patent was granted in March 2008.

The environmental permit decision includes requirements regarding such matters as reduction of noise disturbance arising from the operation and reduction of damage to water systems caused by the quarry's wastewaters, and the arrangement of waste management for all quarrying waste produced. Quarrying in Vaaralampi is scheduled to start in 2010.

During 2008, a decision was passed by the Vaasa Administrative Court regarding the new environmental permit for Tulikivi's mining patent, and an environmental permit application for the Heinävesi plant was submitted

for handling. Once the environmental permit has been granted, environmental measures can be commenced at the Heinävesi plant in 2009. There are no changes in environmental permits for other mining patents.

FINANCIAL RESPONSIBILITY

Tulikivi's financial results are reported on in interim reports and the financial statements. The result of operations is reported on simultaneously, truthfully, openly and in compliance with legislation.

By keeping the company's finances on a solid footing, Tulikivi can provide its shareholders with steady returns and fulfil its obligations as a responsible employer.

In 2008, the Tulikivi Group introduced a new incentive system. Its fundamental component is the incentive pay scheme, based on the achievement of the Group's earnings, productivity and personal targets. This scheme covers all employees and replaces prior incentive plans. The incentive plan also includes a share-based incentive plan for key personnel.

SOCIAL RESPONSIBILITY

In 2008, the Tulikivi Group's personnel structure has changed to correspond with the development of net sales. As a result of the codetermination negotiations that were concluded in January 2008, 67 people were made redundant. Five fixed-term employment contracts ended during the year. A further 13 employment contracts were ended due to employees changing their job or going to study.

Even though large numbers of people retiring will not be an issue in the near future owing to the company's personnel structure, the company's personnel strategy has made preparations for this by surveying personnel well-being and creating a personnel well-being promotion plan. The largest number of people will retire within the next 5-9 years at Juuka.

Tulikivi's Shareholder Policy

  • In all that we do, we think of productivity and growth.
  • Steady share appreciation and returns.
  • We are mindful of the environment.
  • We foster our corporate image.
  • We develop distinctiveness and branded products.
  • Tulikivi pays out a dividend of about half of its annual earnings, while keeping its equity ratio at no less than 40 per cent.

Central European importer sets up showroom to boost Tulikivi sales

Dutry & Co. imports Tulikivi products to Belgium, the Netherlands and France. The company operates in these countries through a network of 67 dealers. In the autumn of 2008, Dutry made a major pitch by opening one of the world's largest Tulikivi Showrooms in Vichte, Belgium. More than 40 Tulikivi fireplaces are exhibited in the sizeable premises. The showroom also boasts 'Gigantico', the biggest and heaviest Tulikivi fireplace ever built. This custom-built product is made out of 23.5 tons of massive soapstone.

Focusing on occupational safety has paid off

Tulikivi Corporation participates in the nationwide 'Accident Count: Zero' ('Nolla tapaturmaa') forum, whose members share their best practices with one another to promote occupational safety. During the year, Group-wide occupational safety objectives, plans, procedures and indicators were introduced at all Tulikivi production sites. Supervisors and occupational safety personnel received training in occupational safety-related responsibility, risk evaluation and anticipatory risk management. The concept of occupational safety working pairs was introduced in active production use to provide members of the working community with up-to-date information on workplace safety hazards and risks.

At Tulikivi, every incident requiring first-aid counts as a work accident. In 2008, there were 26 accidents per one million working hours, compared with 37 in 2007. Moreover, the accident severity rate has decreased substantially. On average, each work accident in 2008 resulted in a loss of 1.3 workdays, while the previous year's figure for workdays lost was 5.1.

Saimaa tableware set, designed by Paola Suhonen

The Saimaa tableware set, with its elegant shapes, eye-catching colours and beautiful embossment, was created for the Kermansavi brand by innovative Finnish designer Paola Suhonen. Tulikivi's R&D personnel worked closely to convert Paola Suhonen's designs into tangible products. The Saimaa set combines age-old pottery skills with modern technology. The tableware set was launched in spring 2008. It was designed and is manufactured in Finland. The production takes place at Tulikivi's Heinävesi plant.

Nammi combines the best in soapstone and ceramic fireplaces

Nammi was Tulikivi's most important new fireplace of 2008. Active product development combined the best features of Tulikivi and Kermansavi fireplaces and created Nammi. Nammi has soapstone on the inside and ceramic on the surface, and comes in four colour choices. The soapstone core guarantees a slow and smooth heat release, while the newest combustion technology ensures clean burning. The beautiful ceramic surface comes in various colour options to provide more choice for the fireplace appearance. The tiles were designed by Ristomatti Ratia. The Nammi design is one of clear lines, and it features a handsome rectangular glass door providing a view of the mesmerising flames. Nammi, like the entire Tulikivi 2006 range, has been awarded the Allergy and Asthma Federation's Allergy Label.

Tulikivi Corporation's Boad of Directors

MATTI VIRTAALA, Chairman of the Board (b.1951)

B.Sc. (Eng.), President of Abloy Oy to 31 December 2008. Member of the Board of Directors of Tulikivi Corporation since 1994, Chairman of the Board since 2003.

Other key positions of trust: Board Member of Etteplan Oyj, Board Member of Metroauto Group Oy.

Primary work experience: Managing Director of Kone Sweden, 1982–85; Area Director, Europe, for the Crane Division of Kone Finland, 1985–87; President of Abloy Oy, 1987–2008.

Tulikivi Corporation share ownership:

Series K shares 1 460 000 Series A shares 961 300

HEIKKI VAUHKONEN, (b. 1970)

LLB and BBA. Managing Director since June 2007. Member of the Management Group since 2001. Has worked for Tulikivi since 1997.

Other key positions of trust: Member of the Board of Directors of Tulikivi Corporation since 2001, Chairman of the Board of Stone Pole Oy.

Primary work experience: Tulikivi U.S. Inc, Vice President, 1997-2001; Tulikivi Corporation: Marketing Director of the Fireplace Business, 2002–2007, Managing Director 2007-.

Tulikivi Corporation share ownership:

Series K shares 2 957 000 Series A shares 46 887

REIJO VAUHKONEN, (b. 1939)

M.Sc. (Civil Eng.), founder of the company. Managing Director and Chairman of the Board of Tulikivi Corporation, 1980–1989. Full-time Chairman of the Board, 1990– 2002.

Other key positions of trust: Member of the Supervisory Board of Fennia Mutual Insurance Company, Chairman of the Board of the Finnish Stone Research Foundation, Board Member of the Product Industry Division of the Confederation of Finnish Construction Industries RT, Member of the Legal Affairs Committee of Conferedation of Finnish Industries EK.

Primary work experience: Marketing Director at Lohja Ltd, 1966–1979; Entrepreneur 1979-.

Tulikivi Corporation share ownership:

Series K shares 2 852 500 Series A shares 1 334 327

BISHOP AMBROSIUS, (b. 1945)

M.A. (Theo.), B.Sc. (Soc. Sc.) Metropolitan of Helsinki. Member of the Board of Directors of Tulikivi Corporation since 1992.

Other key positions of trust: Chairman of the Board of the Banking Sector Customer Advisory Office, Vice Chairman of the Board of FinnAgora. Several international ecumenical positions of trust.

Primary work experience: Treasurer at the Orthodox Monastery of New Valamo, 1977–88; Lecturer and Acting Associate Professor at the University of Joensuu, 1973–76; Bishop of Joensuu, 1988–96, Metropolitan of Oulu, 1996–2002. Metropolitan of Helsinki 2002-.

Tulikivi Corporation share ownership: Series A shares 19 527

JUHANI ERMA, (b. 1946)

LL.Lic. (trained on the Bench), Senior Advisor at Attorneys at law Borenius & Kemppinen. Member of the Board of Directors of Tulikivi Corporation since 2000.

Other key positions of trust: Board Member of Oral Hammaslääkärit Plc, Vice Chairman of the Panel on Takeovers and Mergers at The Central Chamber of Commerce of

Tulikivi's Board of Directors from left to right:

Matti Virtaala, Heikki Vauhkonen, Reijo Vauhkonen, Bishop Ambrosius, Juhani Erma, Eero Makkonen and Maarit Toivanen-Koivisto.

Finland, Board Member of Hallitusammattilaiset ry (the Finnish Association of Professional Board Members), Vice Chairman of the Board of Turvatiimi Oyj, Vice Chairman of the Board of the Finnish Stone Research Foundation, Vice Chairman of the Board of Silmäsäätiö (the Finnish Eye Foundation).

Primary work experience: In-house lawyer at Enso-Gutzeit Ltd, 1972–1979; head of the legal affairs department and the financial and legal affairs group at Union Bank of Finland Ltd, 1979–1985; Managing Director of Unitas Ltd, 1985–1988; Managing Director of Suomen Teollisuuspankki Oy, 1988–1989; Managing Director of the Helsinki Stock Exchange, 1989–1997; Managing Director of HEX Oy, Helsinki Securities and Derivatives Exchange, Clearing House, 1998–1999; Managing Director of Helsinki Exchanges Group Ltd, 1999; own legal and securities consultancy, 2000– 2002; Senior Advisor at Attorneys at law Borenius & Kemppinen Ltd, 2002–.

Tulikivi Corporation share ownership: Series A shares 31 527

EERO MAKKONEN, (b. 1946)

B.Sc. (Eng.). Member of the Board of Directors of Tulikivi Corporation since 2002.

Other key positions of trust: Board Member of Rapala VMC Corporation, Chairman of the Board of Hansastroi Oy, Chairman of the Board of Elematic Ltd.

Primary work experience: Site Manager at Vesi-Seppo Ky, 1973–1975; Regional Manager at Vise Ky Saudi-Arabia, 1976–77; Construction Industry Manager at Oy Wilhelm Schauman Ab, 1979–1983; Kauhajoki House Factory Manager at Rauma-Repola Oy, 1983–1985; Managing Director of Insinööri-rakentajat Oy, 1985– 1991; President of Haka Oy, 1992–1994; President of Skanska Oy, 1994–2001, Chairman of the Board, 2001– 2002 and Vice Chairman of the Board, 2002–2003.

Tulikivi Corporation share ownership:

Series A shares 19 527

MAARIT TOIVANEN-KOIVISTO, (b. 1954)

M.Sc. (Econ.). Professional Development Diploma. Vuorineuvos (honorary title of mining counsellor), President of Onvest Oy. Member of the Board of Directors of Tulikivi Corporation since 2007.

Other key positions of trust: Chairman of the Board of Onninen Oy, Chairman of the Board of Onvest Oy, Board Member of Are Oy, Board Member of Neste Oil Corporation, Board Member of Itella Corporation, Member of the Board of F.B.N International, member of the delegation of the Finnish Family Firms Association, Vice Chairman of the Board and Member of the Delegation of the Central Chamber of Commerce, Vice Chairman of the Helsinki Chamber of Commerce, EU-Russia Industrialists Round Table, Building Task Force Chairman, Member of the Nordea Advisory Board, Member of the Advisory Board of the City of Vantaa, and Member of the Board and Committee of the Foundation for Economic Education.

Primary work experience: Purchasing and sales at Onninen Oy, 1978–1980; Store Manager at Elektro–Sähkö Oy, 1980–1984; Buyer, Product Manager, Purchase Manager and Quality Manager at Onninen Oy, 1984–1998; Development Manager, Financial Manager, Financial Director at Onvest Oy, 1998–2001, and its President, 2001–

Tulikivi Corporation share ownership:

Series A shares 56 181

Corporate Governance

Tulikivi Corporation and its subsidiaries comply with the Finnish Corporate Governance Code for listed companies that takes effect on 1 January 2009, with the exception of recommendation 22 of the Code, under which the Board elects committee members and chairmen from among its members. The exception and the reasons for it are discussed in greater detail under item 'Board of Directors´/ Nomination Committee.

ANNUAL GENERAL MEETING

The Annual General Meeting is held each year no later than by the end of June on the day set by the Board of Directors. The tasks of the Annual General Meeting are set forth in the Companies Act and the Articles of Association. According to the Articles of Association, the Board of Directors shall issue the invitation to the meeting by publishing a Notice of Meeting in a wide circulation newspaper selected by the Board of Directors no earlier than three months and no later than 21 days before the Annual General Meeting. The Notice of Meeting shall also be published as a stock exchange bulletin and on the company's Internet site. The following information shall be made available on the company website at least 21 days before the general meeting: the total number of shares and voting rights according to classes of shares at the date of the notice, the documents to be submitted to the general meeting, a proposal for a resolution by the board or another competent body, an item on the agenda of the general meeting with no proposal for a resolution.

The auditor proposed by the board or the audit committee shall be reported in the notice of meeting. If the Board does not know who the auditor is at the time of sending the notice of annual general meeting, the candidacy must be publicised separately. The proposal for board members shall be included in the notice of the general meeting when the proposal is made by the nomination committee or the candidate is supported by shareholders with at least 10 % of the votes carried by the company shares, provided that the candidate has given his/her consent to the election. The candidates proposed after execution of the notice of the general meeting shall be disclosed separately. The company will report the biographical details of the candidates for the board on its website.

The minutes of the general meeting including the voting results and the appendices of the minutes that are part of a decision made by the meeting, shall be posted on the company website within two weeks of the general meeting.

BOARD OF DIRECTORS

The board is responsible for the administration and the proper organisation of the operations of the company. The board supervises and controls the operative management of the company, appoints and dismisses the managing director, approves the company's strategic objectives, budget, total investments and their allocation, and the reward systems employed, decides on agreements that are of far-reaching consequence and the principles of risk management, and ensures that the management system is operational, ratifies the company's vision and the values that are to be followed in its operations, approves the company's organization model, approves and publishes interim reports, annual reports and financial statements and specifies the company's dividend policy and convenes the annual general meeting. The duty of the board is to promote the best interest of the company and all its shareholders. A director does not represent the interests of the parties who have proposed his or her election as director. Chapter 6, section 2, of the Limited Liability Companies Act lays down the duties of the Board of Directors. The Board draws up written rules of procedure for its activities, and the key content of these rules is explained in the annual report and the company's website. The general duty of the chairman of the Board of Directors is to lead the Board's work and carry out separately agreed tasks.

The Board of Directors shall have no less than five and no more than seven members. The Annual General Meeting elects the members for terms of one year. The members of the board of the group's parent company also serve as members of the boards of the group's business subsidiaries, if the board has not made any other decision.

Effective discharge of the duties of the board may require that board committees are established. The company has a nomination committee and it can have audit committee and remuneration committee. The Board will appoint the members and chairmen of the committee. The Nomination Committee has three members. One member of the Nomination Committee may be elected from outside the Board of Directors. The reason for the deviation from the Corporate Governance Code is that in view of the company's ownership structure and stage of development, it is appropriate to aim for a Nomination Committee composition that reflects the owners' views directly, from outside the Board, while at the same time guaranteeing a sufficiently wide range of contacts via which suitable Board candidates can be found. The duties of the nomination committee are preparation of a proposal for election of directors to be presented to the general meeting, preparation of matters relating to the compensation of directors and succession planning of directors. The members of the nomination committee are Ahti Hirvonen, Reijo Vauhkonen and Matti Virtaala. The chairman of the committee is Reijo Vauhkonen. In 2008, the Nomination Committee convened 3 times.

At Tulikivi Corporation's Annual General Meeting held on April 17, 2008, the following Board members were elected: Bishop Ambrosius, Juhani Erma, Eero Makkonen, Maarit Toivanen-Koivisto, Heikki Vauhkonen, Reijo Vauhkonen and Matti Virtaala. The Board of Directors elected from amongst its members Matti Virtaala as Chairman. The Board members who are independent of the company are Bishop Ambrosius, Juhani Erma, Eero Makkonen, Maarit Toivanen-Koivisto, Reijo Vauhkonen and Matti Virtaala. The Board members who are independent of the company's major shareholders are Bishop Ambrosius, Juhani Erma, Eero Makkonen and Maarit Toivanen-Koivisto.

The annual remuneration of Board members is EUR 15 600, of which 60 per cent will be paid in cash and 40 per cent in the form of Series A shares in Tulikivi Corporation. Each Board member received 4 148 Series A shares. Unless the Board of Directors grants express permission in advance, members of the Board are not allowed to surrender any shares received in this manner until they leave the Board. In addition, the Chairman of the Board of Directors will be paid a EUR 6 240 monthly fee and the director serving as secretary to the Board of Directors a EUR 728 monthly fee.

Board members who perform non-Board assignments for the company shall be reimbursed on the basis of time rates and bills approved by the Board of Directors.

In 2008, the company's Board of Directors convened 13 times. The average participation rate of Board members in these meetings was 92.3 per cent.

MANAGING DIRECTOR

The Managing Director attends to the day-to-day

management of the company as specified in the instructions and regulations issued by the Board of Directors. The Managing Director may take action which is unusual or far-reaching considering the extent and type of the company's activities only with the authorisation of the Board, or if waiting for the Board to provide authorisation would cause substantial damage to the activities of the Board. In the latter case the Board must be informed of the action taken as soon as possible. The Managing Director must see to it that the company's accounts meet the requirements of the law and that its finances have been settled reliably. The Managing Director is responsible for line operations, the implementation of the budget, the company's financial result, the activities of his subordinates and for keeping the board fully informed of the company's situation and operating environment. Chapter 6, section 17, of the Limited Liability Companies Act lays down the duties of the Managing Director. A written agreement of the terms and conditions of the managing director's employment is drafted with his participation and approved by the board.

The company's Managing Director is Heikki Vauhkonen. The Managing Director's period of notice is three months. If the company terminates his employment contract, the period of notice is 12 months. The salary of the Managing Director, including bonuses, amounted to EUR 211 405. In addition to his statutory pension, supplementary pension plans entitle the Managing Director to retire at the age of 60.

In the management and planning of line operations, the managing director is assisted by Management Group, whose members are managing director and directors of business areas and the corporate communications director (on maternity leave in 2008) and the financing director.

INCENTIVE PLANS

The Managing Director and Management Group have a

reward system and the Board decides on the calculation method and amount of these rewards each year. The reward system's principles and decision-making process are outlined in the annual report and on the Internet. Tulikivi Corporation has an incentive plan which includes a share-based incentive plan for key personnel of the company / its business areas and an incentive pay scheme for all personnel.

Share-based incentive plan

The Plan includes three earning periods which are calendar years 2008, 2009 and 2010. The potential reward from the Plan for the earning period 2008 will be based on the Group's profit after financial items and cash flow from operating activities. The potential reward from the earning period 2008 will be paid partly as the Company's A shares and partly in cash in 2009. The proportion to be paid in cash will cover taxes and tax-related costs arising from the reward. It is prohibited to transfer the shares during the two year restriction period. If a key person's employment or service ends during the restriction period, he/she must return the shares given as reward to the Company without compensation. Furthermore, a key person must own 30% of the shares earned on the basis of the Plan for two years after the restriction period. A maximum total of 120 000 Tulikivi Corporation A shares and a cash payment corresponding to the value of the shares will be paid as reward on the basis of the earning period 2008. A maximum total of 360 000 A shares and a cash payment corresponding to the value of the shares will be paid as reward on the basis of the entire Plan.

The 2008 profit/cash flow entitled to 10 per cent of the maximum reward of the incentive plan. Based on the terms of the plan Series A shares will be granted to those participating the plan, in total 9 800 shares.

Incentive pay scheme

The incentive pay scheme is based on the achievement

of the Group's earnings, productivity and personal targets. This scheme covers all personnel and replaces prior incentive plans.

RIGHT TO REPRESENT THE COMPANY

The company and its subsidiaries are represented by the Chairman of the Board of Directors and the Managing Director, each acting alone. Others entitled to represent the company always represent the company with another person entitled to represent.

REPORTING SYSTEM

The Managing Director reports to the Board every month on the operations and results of the Group and business units and any divergence from the budget (monthly report), every quarter on operating profit based on inventories and otherwise, immediately on fundamental changes to the operating environment. The units report according to the internal reporting system.

INSIDERS

Tulikivi Corporation complies with the Guidelines for Insiders of the NASDAQ OMX Helsinki Ltd. The Board of the company appoints a person in charge of insiders. The company´s insider register is maintained by Euroclear Finland Ltd.

INTERNAL AUDITING AND RISK MANAGEMENT

The board ensures that the company has defined the operating principles of internal control and monitors the function of such control. Risk management is part of the company's control system. The purpose of risk management is to ensure that the risks related to the business operations of the company are identified, evaluated and monitored. The company has defined the risk management principles. The company assesses risks at regular intervals. On the basis of these assessments, the Board of Directors and the Managing Director decide on what measures are necessary. In the assessment of risks, their probability and impact are taken into account. After their analysis, means of preventing and controlling risks have been overviewed on the basis of their impact and probability.

The auditors, besides the statutory audit, have performed extended audit procedures on areas determined by the Board of Directors. Related findings have been regularly reported to the Board of Directors and to the Managing Director.

AUDIT

The auditor is elected at the Annual General Meeting for a term ending at the conclusion of the subsequent Annual General Meeting. The auditor has been KPMG Oy Ab, Authorized Public Accountants. In 2008, the auditing firm were paid a total of EUR 67 000 salaries and fees by the Group, of which the audit accounted for EUR 36 093.

ENVIRONMENTAL POLICY

Engaging in mining activities requires the forming of a mining concession and an environmental permit. Production activities require an environmental permit. Mining operations are regulated by the Mining Act and environmental legislation. The director in charge of quarrying is responsible for making sure that mining permits are valid and up-to-date.

Tulikivi's environmental strategy is geared towards systematic progress in environmental efforts in specified sub-areas. The goal of its environmental work is the economical use of natural resources and the management of processes and products so that there is as little environmental loading as possible. The Group complies with the environmental legislation and norms that concern its operations and seeks, through continuous improvement of operations, to engage in anticipatory environmental work to meet the Group's internal requirements and the challenges posed by stakeholders. The Group acknowledges and is aware of its responsibility as an environmental operator.

COMMUNICATIONS

The company has rules of procedure for communications, which define the persons responsible for internal, external and crisis communications and the persons with the right to speak on behalf of the company. The Financing Director is responsible for compliance with rules concerning stock exchange releases.

Tulikivi Corporation´s Corporate Governance code in full and key information about the company's administration is published on the Tulikivi Group's Internet site (www. tulikivi.com). The company's stock exchange bulletins and other investor information are posted on the site immediately after their publication.

Tulikivi's Managent Group

HEIKKI VAUHKONEN, (b. 1970)

LLB and BBA. Managing Director since June 2007. Member of the Management Group since 2001. Has worked for Tulikivi since 1997.

Positions of trust: Member of the Board of Directors of Tulikivi Corporation since 2001, Chairman of the Board of Stone Pole Oy.

Primary work experience: Tulikivi U.S. Inc, Vice President, 1997-2001; Tulikivi Corporation: Marketing Director of the Fireplace Business, 2002-2007, Managing Director 2007-.

Tulikivi Corporation share ownership:

Series K shares 2 957 000 Series A shares 46 887

JUHA SIVONEN, (b. 1962)

M.Sc. (Civil Eng.). Marketing Director of the Fireplace Business. Member of the Management Group since 1987. Has worked for Tulikivi since 1987.

Positions of trust: Chairman of the Board of Tulisija- ja savupiippuyhdistys TSY ry (Fireplace and Chimney Association).

Primary work experience: Suomen Vuolukivi Oy: Development Engineer 1987–1988, sales engineer, 1988–1989 and Production Manager, 1989-1990; The New Alberene Stone Co Virginia, USA, Project Manager 1991 and President 1992; Production Manager at Tulikivi Oy, 1993–1996; Product Manager at Exel Oy, 1997; Marketing Director at Tulikivi Corporation, 1998–1999, Business Unit Manager, 2000-2001, Managing Director, 2001–2007, Director of the Fireplace Business, 2007-.

Tulikivi Corporation share ownership: Series K shares 100 000

JOUKO TOIVANEN, (b. 1967)

D.Sc. (Tech.), M.Sc. (Eng.). Director of the Natural Stone Products Business. Member of the Management Group since 1995. Has worked for Tulikivi since 1993.

Positions of trust: Member of the Board of the Finnish Natural Stone Association.

Primary work experience: Accounting Assistant 1993- 1994, Accounting Manager, 1995-1997, Financial Manager, 1997–1999 at Tulikivi Corporation; Manager, operational accounting and management systems for the Tulikivi Group, 1999–2001; Tulikivi Group's Financial Director, 2001-2007; and Director of the Natural Stone Products Business, 2003–.

Tulikivi Corporation share ownership: Series A shares 500

The members of the Management Group from left to right: Heikki Vauhkonen, Juha Sivonen, Jouko Toivanen, Mirja Vänttinen, Anu Vauhkonen and Arja Lehikoinen.

MIRJA VÄNTTINEN, (b. 1965)

MBA, Marketing Certificate from The Institute of Marketing, business college degree. Product Group Director, Utility Ceramics. Member of the Management Group since 2007. Has worked for Kermansavi Oy and its subsidiaries since 1988 and, after the acquisition, for the Tulikivi Group since 2006.

Positions of trust: Member of the Board of Leppävirran Matkailukeskus Oy.

Primary work experience: Primary work experience: Marketing Manager at Kermacos Oy, 1992-1998; Sales Manager, 1999-2000, and Sales Director, 2000-2006, at Kermansavi Oy; Sales Manager, Tableware, 2006- 2007, and Director, Utility Ceramics, for the Tulikivi Group, 2007-.

Tulikivi Corporation share ownership:

No share ownership of Tulikivi Corporation.

ANU VAUHKONEN, (b. 1972)

M.A., Communication management training at The Institute of Marketing. Corporate Communications Director. Member of the Management Group since 2001. Has worked for Tulikivi since 1997.

Positions of trust: Board Member of the Family Business Network Finland and Chairman of its PR work group.

Primary work experience: PR for Wärtsilä Diesel Oy, 1995–1997; PR for Tulikivi Corporation, 1998: PR and Communications Manager at Tulikivi U.S. Inc., 1998– 2001; Communications Director at Tulikivi Corporation, 2001–.

Tulikivi Corporation share ownership: Series K shares 500

ARJA LEHIKOINEN, (b. 1954)

M.Sc. (Econ.), MBA. Financing Director. Member of the Management Group since 1984. Has worked for Tulikivi since 1984.

Positions of trust: Board Member of the Finnish Stone Research Foundation.

Primary work experience: Office Manager at accounting firm Tietokate Oy, 1979–1982; Office Manager at Juuan Tili- ja kiinteistötoimisto (accounting and real-estate firm), 1982–1984; Financial Director for Tulikivi Corporation and the Tulikivi Group, 1984–2001; Financing Director for the Tulikivi Group, 2001–.

Tulikivi Corporation share ownership: Series A shares 65 620

Information for Shareholders

ANNUAL GENERAL MEETING

The Annual General Meeting of Tulikivi Corporation will be held in the Kivikylä auditorium in Nunnanlahti, Juuka, on March 31, 2009, starting at 12:00. Financial statement documents will be available for inspection at the company's Internet site and head office in Nunnanlahti as from March 10, 2009. Copies of these documents will be sent to shareholders upon request. The right to participate in the Annual General Meeting rests with a shareholder who by March 21, 2009 at the latest has been registered in the company's shareholder list that is maintained by Euroclear Finland Ltd. Shareholders who wish to attend the Annual General Meeting must notify the company thereof by March 21, 2009, either by telephoning Kaisa Toivanen at +358 207 636 251, by emailing [email protected] or by writing to the address Tulikivi Corporation / Annual General Meeting, FI-83900 Juuka.

PAYMENT OF DIVIDENDS

The Board of Directors proposes to the Annual General Meeting that the following dividends be paid for the fiscal year 2008:

On Series A shares 0.0280/share On Series K shares 0.0263/share

Dividends decided by the Annual General Meeting will be paid on shares that have been recorded on the record date in the shareholder list that is maintained by Euroclear Finland Ltd. The record date for the dividend payout is April 3, 2009. The Board of Directors proposes to the Annual General Meeting that the dividend payout date be April 14, 2009.

SHARE REGISTER

We request shareholders to report any changes in their personal details, address and share ownership to the book-entry register in which the shareholder has a bookentry securities account.

FINANCIAL REPORTS

Tulikivi Corporation will publish the following financial reports in 2009:

Financial statement bulletin for 2008 February 10, 2009
Annual Report for 2008 week 12
Interim Report for January-March April 21, 2009
Interim Report for January-June July 21, 2009
Interim Report for January-September October 20, 2009

The Annual Report, Interim Reports and the company's stock exchange bulletins are published in Finnish and English.

The Annual Report is mailed to all shareholders. Financial reports are posted on the company's site, www.tulikivi.com, on their day of publication. Reports may also be ordered by emailing [email protected], by writing to the address Tulikivi Corporation / Financial Reports, FI-83900 Juuka, or by telephoning +358 207 636 211. If you have questions concerning investor relations, please contact the company's Financing Director Arja Lehikoinen at tel. +358 207 636 260.

Analysts following Tulikivi Corporation: Petri Karhunkoski / eQ Bank Ltd tel. +358 9 6817 8487, [email protected]; Antti Koskivuori / Evli Equity Research, tel. +358 9 4766 9773, [email protected] and Matias Rautionmaa / Pohjola Bank, tel. +358 10 252 4408, [email protected].

Tulikivi Corporation's Stock Exchange releases and announcements 2008

  • 30.12. Share repurchase 30.12.2008
  • 29.12. Share repurchase 29.12.2008
  • 23.12. Share repurchase 23.12.2008
  • 12.12. Tulikivi Corporation continues to buy back Tulikivi shares
  • 11.12. Tulikivi Corporation's General meeting and Financial Releases in 2009
  • 27.12. Share repurchase 27.11.2008
  • 25.11. Share repurchase 25.11.2008
  • 24.11. Share repurchase 24.11.2008
  • 21.11. Share repurchase 21.11.2008
  • 20.11. Share repurchase 20.11.2008
  • 18.11. Share repurchase 18.11.2008
  • 17.11. Share repurchase 17.11.2008
  • 14.11. Share repurchase 14.11.2008
  • 13.11. Share repurchase 13.11.2008
  • 12.11. Share repurchase 12.11.2008
  • 11.11. Share repurchase 11.11.2008
  • 10.11. Share repurchase 10.11.2008
  • 7.11. Share repurchase 7.11.2008
  • 6.11. Share repurchase 6.11.2008
  • 5.11. Share repurchase 5.11.2008
  • 4.11. Share repurchase 4.11.2008
  • 3.11. Share repurchase 3.11.2008
  • 30.10. Share repurchase 30.10.2008
  • 21.10. Interim Report 01-09/2008
  • 3.10. Share repurchase 3.10.2008
  • 2.10. Share repurchase 2.10.2008
  • 1.10. Share repurchase 1.10.2008
  • 30.9. Share repurchase 30.9.2008
  • 29.9. Share repurchase 29.9.2008
  • 26.9. Share repurchase 26.9.2008
  • 22.9. Share repurchase 22.9.2008
  • 19.9. Share repurchase 19.9.2008
  • 17.9. Share repurchase 17.9.2008
  • 16.9. Share repurchase 16.9.2008
  • 15.9. Share repurchase 15.9.2008
  • 11.9. Share repurchase 11.9.2008

  • 10.9. Share repurchase 10.9.2008

  • 8.9. Share repurchase 8.9.2008
  • 5.9. Share repurchase 5.9.2008
  • 4.9. Share repurchase 4.9.2008
  • 3.9. Share repurchase 3.9.2008
  • 2.9. Share repurchase 2.9.2008
  • 1.9. Share repurchase 1.9.2008
  • 29.8. Share repurchase 29.8.2008
  • 28.8. Share repurchase 28.8.2008
  • 26.8. Share repurchase 26.8.2008
  • 20.8. Share repurchase 20.8.2008
  • 19.8. Share repurchase 19.8.2008
  • 18.8. Share repurchase 18.8.2008
  • 15.8. Share repurchase 15.8.2008
  • 14.8. Share repurchase 14.8.2008
  • 13.8. Share repurchase 13.8.2008
  • 12.8. Share repurchase 12.8.2008
  • 7.8. Share repurchase 7.8.2008
  • 5.8. Share repurchase 5.8.2008
  • 4.8. Share repurchase 4.8.2008
  • 1.8. Share repurchase 1.8.2008
  • 22.7. Interim Report 01-06/2008
  • 22.7. Tulikivi Corporation starts share buyback
  • 18.4. New incentive plan for Tulikivi Group personnel
  • 17.4. Resolutions of the Annual General Meeting of Tulikivi Corporation
  • 17.4. Interim Report 01-03/2008
  • 17.3. Annual Report 2007
  • 6.3. Summons to the Annual General Meeting of Tulikivi Corporation
  • 26.2. Tulikivi Corporation Company Announcement 2007
  • 6.2. Financial Statement 1-12/2007
  • 6.2. Annual General Meeting
  • 8.1. Conclusion of the Tulikivi Group's codetermination negotiations and their impact on earnings
  • 2.1. Implementation of subsidiary merger

Board of Directors' Report and Financial Statements of Tulikivi Corporation for Year 2008

Board of Directors' Report 27-31
Consolidated Financial Statements, IFRS 32
Consolidated Income Statement 32
Consolidated Balance Sheet 33
Consolidated Cash Flow Statement 34
Statement of Changes in Shareholders' Equity 35
Notes to the Consolidated
Financial Statements 36-64
Key Financial Indicators 65-66
Calculation of Key Ratios 67
Parent Company Financial Statements, FAS 68
Parent Company Income Statement 68
Parent Company Balance Sheet 69
Parent Company Cash Flow Statement 70
Notes to the Parent Company
Financial Statements 71-76
Shares and Shareholders of Tulikivi Corporation 77
Signatures to Report of the Board and
Financial Statements 78
Auditors' Report 78

These are the financial statements of Tulikivi Corporation, that have been prepared in accordance with International Financial Reporting Standards (IFRS) and in compliance with the IAS and IFRS standards as well as the SIC and IFRIC interpretations upon force as at December 31, 2008.

The term IFRS refers to the standards and interpretations upon these in the Finnish Accounting Act and regulations issued by virtue to it and endorsed in the EU in accordance with the procedure defined in the EU Regulation (EY) No 1606/2002. The notes to the consolidated financial statements also conform with Finnish Accounting and Corporate Legislation.

The consolidated financial statements are presented in thousands of euros.

SHARE CAPITAL, SHARES AND BOARD AUTHORIZATIONS

There have been no changes in Tulikivi Corporation´s share capital in 2008. Tulikivi Corporation´s share capital entered in Trade Register amounted to EUR 6 314 479,40 on December 31, 2008. The number of shares is 37 143 970, of which 27 603 970 are Series A shares and 9 540 000 Series K shares. According to the articles of association the dividend paid for Series A shares shall be 0.0017 EUR higher than the dividend paid on Series K shares. Each Series K shares confers 10 votes at a general meeting, while each Series A shares confers one vote. The Series A share is listed on the NASDAQ OMX Helsinki Ltd.

7.3 per cent of all shares were nominee registered or in foreign ownership. No flagging notifications were made to the company during the review period.

The Board of Directors has an authorization to acquire the company's own shares. A maximum of 2 760 397 Series A shares in the company and 954 000 Series K shares in the company can be bought back. The authorization is valid until the Annual General Meeting 2009.

The Board of Directors has an authorization to decide on share issues and the conveyance of the company's own shares in the possession of the company and the granting of special rights that give entitlement to shares as set forth in Chapter 10, Article 1 of the Companies Act.

New shares can be issued or own shares held by the company conveyed amounting to a maximum of 5 520 794 Series A shares and 1 908 000 Series K shares. The authorization also includes the right to issue special rights, as defined in Chapter 10, Article 1 of the Companies Act, entitling the right holder to subscribe for shares against payment or by setting off the receivable. The authorization is valid until the Annual General Meeting 2009.

SHARE REPURCHASE

The Tulikivi Corporation's Board of Directors has decided to commence repurchasing the company's A shares, as authorised by the Annual General Meeting. During 2008, 74 000 A shares were purchased at the repurchase value of EUR 77 657. The average purchase price per share was EUR 1.05. The purchase price was the exchange rate at the moment of the purchase, which varied between EUR 0.65 and EUR 1.39 during the purchase periods. The repurchased shares account for 0.20 per cent of all shares and 0.06 per cent of votes carried by all shares. The repurchase of own shares had no material impact on the shareholdings and voting rights in the company. The first phase of repurchasing shares took place between 1 August–30 November 2008, when a total of 60 000 shares were acquired. The total acquisition prices of these shares was EUR 68 499 or EUR 1.14 per share on average. The second phase began in December and will continue to 30 March 2009 according to the Board's decision. During the period between 23 December and 31 December 2008 a total of 14 000 shares were acquired. The total acquisition prices of these shares was EUR 9 158 or EUR 0.65 per share on average. Under the Board's decision, during the second phase a total of 100 000 A shares can be repurchased, which would bring the total number of treasury shares to 160 000, corresponding to 0.4 per cent of share capital and 0.1 per cent of total voting rights.

The shares are repurchased for use as consideration in corporate acquisitions or other structural arrangements or to implement the share-based incentive system, to pay a share-based incentive or otherwise to be transferred or cancelled.

SOLVENCY RATIO, %

systematic progress in environmental efforts in specified subareas. All operational quarries of the Tulikivi Corporation have the environmental permits they require. In addition, permit renewals are in progress. The Group's operations comply with the environmental permits and the requirements of the authorities and environmental protection.

The company bears the responsibility for the environmental impacts of its operations. Under the Mining Act and environmental legislation, the Tulikivi Group has landscaping obligations that must be met when operating the quarries and after quarries and plants are eventually shut down. The Group's operations do not burden the environment with hazardous or poisonous substances. The content and recognition principles of environmental management expenditure are presented in greater detail in note 33 and the key figures for environmental responsibilities in note 34.

The Group is neither party to judicial or administrative procedures concerning environmental issues nor is it aware of any environmental risks that would have a significant effect on its financial position.

EVENTS FOLLOWING THE END OF THE FINANCIAL YEAR

Because of the declining order inflow, the company's Board of Directors has launched a programme to improve the profitability of Tulikivi Corporation's operations and to introduce concentration measures in order to secure the company's profitability in the future. The programme is intended to achieve annual savings of approximately EUR 5 million in future years. As a result of launching the programme, the company has initiated co-determination talks with all Group personnel. The company is seeking a personnel reduction of about 120 persons. The company will also have to introduce lay-offs among its personnel during the current year. It is estimated that the programme will give rise to approximately EUR 2 million in non-recurring costs.

FUTURE OUTLOOK

Housing construction will decline in several markets, which will affect the demand for fireplaces. Demand for fireplaces is estimated to be relatively higher in Central Europe than in Finland or its neighbouring countries. The rapid contraction in demand in late 2008 has adversely affected the company's order books and no improvement is anticipated in the coming months, especially in the domestic market. Net sales and profit for the current financial year after non-recurring items are expected to fall short of 2008. The adjustments costs that have an impact on profit are concentrated in the early part of the year.

STRATEGIC POLICIES

The strategic policies of the Tulikivi Group establish the Group's long-term organic growth target at five per cent per annum. The Group also seeks growth from corporate acquisition. In addition to growth, the target is to attain over 20 per cent in return on capital invested and improving relative profitability by two percentage points annually. During the 2008 financial year, net sales declined on 2007 because of the recession on all of Tulikivi's markets. As a result, the targeted level of return on capital invested was not attained.

KEY RATIOS AND OWNERSHIP INFORMATION

The Group´s order book, financial ratios and key indicators per share together with their definitions as well as information on shareholders and management ownership are presented in connection with the financial statements.

SEGMENT REPORTING AND GROUP STRUCTURE

The Group's business segments are the Fireplaces Business, Natural Stone Products Business and Other Operations. The Fireplaces Business includes soapstone and ceramic fireplaces sold under the Tulikivi and Kermansavi brands and also soapstone lining for heater manufacturers. The Natural Stone Products Business includes interior decoration stone products for households and stone deliveries to construction sites. Other Operations includes expenses that are not allocated to the Group's other segments, tax and financial expenses, as well as sales of ceramic utensils and the expenses of this business.

The companies included in the Group are the parent company Tulikivi Corporation (Kermansavi Oy merged with the parent company as at December 31, 2007), its fixed establishment in Germany Tulikivi Oyj Niederlassung Deutschland and the subsidiaries Kivia Oy, AWL-Marmori Oy, Tulikivi U.S. Inc. and OOO Tulikivi. The Group has interests in associated companies Stone Pole Oy and Leppävirran Matkailukeskus Oy. Group companies include also Uuni Vertriebs GmbH and The New Alberene Stone Company, Inc., which are dormant.

THE BOARD'S DIVIDEND PROPOSAL

The parent company's distributable equity amounts to EUR 6 946 thousand, of which the profit for the period accounts for EUR 1 173 thousand. The Board proposes to the Annual General Meeting that the distributable equity be used as follows:

Dividend payout:

EUR 0.0280/share on Series A shares EUR 0.0263/share on Series K shares To a total of EUR 1 022 thousand Retained in equity EUR 5 924 thousand.

It is the Board's opinion that the proposed distribution of dividends will not endanger the company's solvency.

Consolidated Financial Statements, IFRS Consolidated Income Statement

EUR 1 000 Note Jan. 1 - Dec. 31, 2008 Jan. 1 - Dec. 31, 2007
Sales 2 66 502 69 887
Other operating income 4 684 590
Increase/decrease in inventories of finished goods and in work in progress -608 2 086
Production for own use 785 1 085
Raw materials and consumables 12 454 14 237
External services 9 990 11 059
Personnel expenses 5 23 079 27 054
Depreciation 6 5 432 5 644
Amortisation 250 6
Other operating expenses 7 12 912 14 683
Operating profit 3 246 965
Financial income 8 243 234
Financial expenses 9 -1 426 - 1 039
Share of loss (-) / profit (+) of associates 0 0
Profit before income tax 2 063 160
Income taxes expense 10 634 -201
Profit for the year 1 429 361
Calculated from profit attributable to the equity holders of the parent company
earnings per share, EUR
basic/diluted 11 0.04 0.01

Consolidated Balance Sheet

EUR 1 000 Note Dec. 31, 2008 Dec. 31, 2007
Assets
Non-current assets
Property, plant and equipment 12 20 596 23 755
Goodwill 13 4 266 4 266
Other intangible assets 13 11 163 11 140
Investment properties 14 265 229
Investments in associates 15 24 24
Other financial assets 16 27 33
Deferred tax assets 17 855 996
Total non-current assets 37 196 40 443
Current assets
Inventories 18 11 452 12 660
Trade and other receivables 19 5 729 5 862
Current income tax receivables 19 13 64
Cash and cash equivalents 20 11 705 3 765
Total current assets 28 899 22 351
Total assets 66 095 62 794
Equity and liabilities
Capital and reserves attributable to equity holders of the Company
Share capital 21 6 314 6 314
Share premium 7 334 7 334
Treasury shares 21 -78
Translation differences 21 -38 -70
Revaluation reserve 21 -60
Retained earnings 13 770 13 993
Total equity 27 242 27 571
Non-current liabilities
Deferred income tax liabilities 17 2 043 2 252
Provisions 24 919 859
Interest-bearing liabilities 25 21 582 17 751
Other liabilities 26 347
Total non-current liabilities 24 544 21 209
Current liabilities
Trade and other payables 26 9 064 9 389
Current income tax liabilities 101 77
Provisions 24 687
Short-term interest-bearing liabilities 25 5 144 3 861
Total current liabilities 14 309 14 014
Total liabilities 38 853 35 223
Total equity and liabilities 66 095 62 794

Consolidated Cash Flow Statement

EUR 1 000 Note Jan. 1 - Dec. 31, 2008 Jan. 1 - Dec. 31, 2007
Cash flows from operating activities
Profit for the period 1 429 361
Adjustments:
Non-cash transactions 29 5 747 5 520
Interest expense and finance costs 1 426 1 040
Interest income -237 -224
Dividend income -6 -10
Income taxes 10 634 -201
Changes in working capital:
Change in trade and other receivables 96 3 430
Change in inventories 1 208 -2 048
Change in trade and other payables -467 -3 929
Change in provisions -677 746
Interest paid -1 169 -899
Interest received 217 156
Dividends received 5 10
Income tax paid -607 -1 434
Net cash flow from operating activities 7 599 2 518
Cash flows from investing activities
Acquisition of subsidiary, net of cash acquired -347 -10
Purchases of property, plant and equipment (PPE) -1 380 -3 966
Grants received for PPE 1 077
Purchases of intangible assets -1 509 -1 707
Grants received for intangible assets 86 185
Proceeds from sale of PPE 93 121
Disposals of other financial assets 4
Net cash flow from investing activities -3 053 -4 300
Cash flows from financing activities
Proceeds from short-term borrowings 1 836
Repayments of borrowings -1 836
Proceeds from long-term borrowings 10 000 6 704
Repayments of borrowings -3 051 -4 391
Purchase of own shares -75
Dividends paid -1 655 -3 459
Net cash flow from financing activities 3 383 690
Net decrease (-) / increase (+) in cash and cash equivalents 7 929 -1 092
Cash and cash equivalents at the beginning of the year 3 765 4 913
Exchange gains (+) / losses (-) 11 -56
Cash and cash equivalents at the end of the year 20 11 705 3 765

Consolidated Statement of Changes in Equity

Attributable to equity
holders of the Company
Share capital Share premium Translation
differences
Revaluation
reserve
Treasury
shares
Retained
earnings
Total equity
EUR 1 000
Equity
Balance at January 1, 2007 6 314 7 334 -13 17 076 30 711
Translation differences -57 -57
Charitable contribution -124 -124
Profit for the year 361 361
Dividends paid -3 320 -3 320
Balance at December 31, 2007 6 314 7 334 -70 13 993 27 571
Translation differences 33 33
Revaluation reserve -60 -60
Acquisition of treasury shares -78 -78
Profit for the year 1429 1 429
Dividends paid -1 653 -1 653
Balance at December 31, 2008 6 314 7 334 -37 -60 -78 13 769 27 242

Notes to the Consolidated Financial Statements

BASIC INFORMATION OF THE GROUP

The parent company is Tulikivi Corporation (Business ID 0350080-1) and it is domiciled in Juuka. Its registered address is 83900 Juuka.

A copy of the consolidated financial statements is available on the Internet at www.tulikivi.com or at the parent company's head office, located at the above address.

The Group's business is divided into three business segments: Fireplaces, Natural Stone Products and Other Operations. The Fireplaces Business comprises soapstone quarrying, production of soapstone fireplaces and ceramic fireplaces, design, sales and marketing. Its products are Tulikivi soapstone fireplaces, Kermansavi ceramic fireplaces and stone lining for heaters. The Natural Stone Products Business comprises household interior stone products and deliveries of stone to construction sites, and purchases, sales and marketing of natural stone. Other Operations includes expenses that are not allocated to the Group's business functions, tax and financial expenses, as well as sails of ceramic utensils and the expenses of this business. Soapstone fireplaces and other natural stone products are sold under Tulikivi brand, ceramic fireplaces and utensils under Kermansavi brand.

Tulikivi Corporation's Board of Directors has approved these financial statements for publication at its meeting held on February 10, 2009. Under the Finnish Companies Act, shareholders may approve or reject the financial statements at the Annual General Meeting held after publication. The Annual General Meeting may also revise the financial statements.

1. ACCOUNTING PRINCIPLES 1.1. BASIS OF PREPARATION

These are the financial statements of the Group, that have been prepared in accordance with International Financial Reporting Standards (IFRS) and in compliance with the IAS and IFRS standards as well as the SIC and IFRIC interpretations in force as at December 31, 2008. The term IFRS refers to the standards and interpretations that are approved for adoptation in the Finnish Accounting Act and regulations issued by virtue to it and endorsed in the EU in accordance with the procedure defined in the EU Regulation (EY) No 1606/2002. The notes to the consolidated financial statements also comply with the additional requirements under the Finnish accounting and company legislation.

The consolidated financial statements have been prepared under the historical cost convention except for financial assets classified as available for sale and financial assets and financial liabilities (including derivatives) carried at fair value through profit or loss. The consolidated financial statements are presented in thousands of euros.

The group has adopted the following standards and amendments and interpretations beginning on or after January 1, 2008:

  • IFRIC 11 IFRS 2 – Group and Treasury Share Transactions. The interpretation clarifies the scope of the rules pertaining to equity-settled transactions (IFRS 2) and requires these transactions be reconsidered in subsidiaries. The interpretation has not had an impact on the consolidated financial statements.

  • IFRIC 12 Service Concession Arrangements. The Group's business activities do not involve service concession arrangements and consequently the interpretation does not have an impact on the consolidated financial statements.

  • IFRIC 14 IAS 19 – The Limit on a Defined Benefit Asset, Minimum Funding Requirements and Their Interaction. This interpretation does not have an impact on the consolidated financial statements as all of the Group's pension plans are defined contributions plans.

  • Amendments to IAS 39 Financial Instruments: Recognition and Measurement and IFRS 7 Financial Instruments: Disclosures. The amendments were issued in October 2008 due to the international financial crisis and they pertain to the reclassification of certain financial assets. The amendments have no impact on the consolidated financial statements for the financial year 2008 or on those for subsequent periods since the Group assesses that at the balance sheet date the consolidated balance sheet did not include such financial assets covered by the amendments which would have been necessary to be reclassified.

Tulikivi has not early adopted the following new standards, amendments or interpretations to existing standards published before December 31, 2008:

  • IFRS 8, Operating Segments (effective January 1, 2009)

  • IAS 1 Presentation of Financial Statements (revised) (effective from January 1, 2009)

  • Amendment to IFRS 2 Share-based Payment (effective from 1 January 2009)

  • IAS 23 Borrowing Costs (revised) (effective from January 1, 2009)

  • IAS 27 Consolidated and Separate Financial Statements (revised) (effective from July 1, 2009)

  • IFRS 3 Business Combinations (revised) (effective from July 1, 2009)

  • Amendment to IFRS 5 Non-current Assets Held for Sale and Discontinued Operations (effective from 1 July 2009)

  • Amendment to IAS 28 Investments in Associates (and consequential amendments to IAS 32 Financial Instruments: Presentation and IFRS 7 Financial Instruments: Disclosures) (effective from 1 January 2009)

  • Amendment to IAS 36 Impairment of Assets (effective from 1 January 2009)

  • Amendment to IAS 38 Intangible Assets (effective from 1 January 2009)

  • Amendment to IAS 19 Employee Benefits (effective from 1 January 2009)

  • Amendment to IAS 39 Financial Instruments: Recognition and Measurement (effective from 1 January 2009)

  • IFRIC 16 Hedges of a Net Investment in a Foreign Operation (effective from 1 October 2008 onwards)

  • IFRIC 13 Customer Loyalty Programmes (effective from 1 July 2008)

  • Amendment to IAS 16 Property, Plant and Equipment (effective from 1 January 2009)

  • Amendment to IAS 29 Financial Reporting in Hyperinflationary Economies (effective from 1 January 2009)

  • Amendment to IAS 31 Interests in Joint Ventures (effective from 1 January 2009)

  • Amendment to IAS 40 Investment Property (effective from 1 January 2009)

  • Amendment to IAS 20 Accounting for Government Grants and Disclosures for Government Assistance (effective from 1 January 2009)

  • IFRIC 15 Agreements for the Construction of a Real Estate (effective from 1 January 2009)

  • IFRIC 17 Distribution of Non-cash Assets to Owners (effective from 1 July 2009). The interpretation has not yet been endorsed by the EU.

In 2009 the Group will adopt IFRS 8 Operating Segments issued in 2006. The Group is assessing the impacts of the standard on the consolidated financial statements. Management assesses that the adoption of other standards and interpretations as listed above will not have a material impact on the consolidated financial statements in the year 2009. The Group will adopt the amended IAS 27 Consolidated and Separate Financial Statements and the revised IFRS 3 Business Combinations as well as the interpretation IFRIC 17 Distribution Of Non-cash Assets to Owners in 2010.

The preparation of the consolidated financial statements in conformity with IFRS requires the management use of certain estimates and exercise of judgment in the process of applying the Group's accounting policies. Information about the areas where the management has exercised judgment in the application of the Group accounting principles is presented under "Critical Accounting Judgments in applying the Entity's Accounting Principles".

1.2. CONSOLIDATION PRINCIPLES

SUBSIDIARIES

The consolidated financial statements include the parent company Tulikivi Corporation and all its subsidiaries. Subsidiaries are companies, over which the Group has control. Control exists when the Group owns more than half of the voting rights, or it has otherwise control. Also the existence of potential voting rights is considered when assessing the conditions of control if the instruments entitling to potential voting rights are exercisable. Control means the power to govern financial and operating policies of an entity so as to obtain benefits from its activities.

Intragroup share holdings are eliminated according to the purchase method. Subsidiaries are consolidated from the date on which control is transferred to the Group, and disposed subsidiaries until the control ceases. Intragroup transactions, balances and unrealized gains on transactions between group companies, and intragroup distribution of profits are eliminated. Unrealized losses are also eliminated unless the loss is due to impairment. Tulikivi Corporation has a full ownership in its all subsidiaries and therefore no profit or loss attributable to minority interest is included in the consolidated result nor is minority interest presented within equity.

ASSOCIATED COMPANIES

Associated companies are all entities over which the Group has significant influence. Significant influence is realized when the Group holds over 20 per cent of the voting rights or otherwise has significant influence, but no control. Investments in associates are accounted for using the equity method. When the Group's proportionate share of the associated company's result exceeds the book value, the investment is recognized in the balance sheet to zero value and the exceeding losses are not recognized unless the Group has incurred obligations or made payments on behalf of the associate company.

FOREIGN CURRENCY TRANSLATION

The results and financial positions of subsidiaries are measured using the currency of the primary economic environment (Functional currency) in which the entity operates. The consolidated financial statements are presented in euros, which is the parent company's functional and presentation currency.

FOREIGN CURRENCY TRANSACTIONS

Transactions in foreign currencies are translated into the functional currency using the foreign exchange rate prevailing at the transaction date. In practice, exchange rates close to the rates prevailing at the dates of the transactions are usually used. Monetary items are translated into functional currency using the exchange rates prevailing at the balance sheet date. Non-monetary items are translated using the exchange rate at the transaction date. Exchange differences of transactions in foreign currencies and translation of monetary items are recognized in the income statement. Exchange differences resulting from operations are recognized in the income statement as part of the operating profit. Gains or losses arising from loans and cash in bank are presented in the income statement within financial income and expense.

TRANSLATION OF FINANCIAL STATEMENTS OF FOREIGN GROUP COMPANIES

The income statements of subsidiaries are translated to euro using the average exchange rates for the year and the balance sheets are translated using the exchange rates at the balance sheet date. Exchange differences arising from the translation of the income statement and the balance sheet with different exchange rates results in translation difference that is recognized in equity.

Translation differences arising from the elimination of the acquisition cost of foreign subsidiaries and the accumulated equity are recognized in equity. Translation differences that have arisen before January 1, 2004 which was the date of transition to IFRS, were recognized in retained earnings on transition to IFRS according to the exemption of IFRS 1 and they shall not be transferred to the income statement afterwards in connection with disposal of subsidiaries. Translation differences arising after January 1, 2004 are presented in equity as separate item.

From 1 January 2004 goodwill arisen from acquisition of foreign entities and related fair value adjustments to the assets and liabilities of the acquired entity are recognized as assets and liabilities of the said foreign entities and are translated to euro using the exchange rates at the balance sheet date. For those acquisitions occurred prior to 1 January 2004 goodwill and fair value adjustments are recognized in euro.

PROPERTY, PLANT AND EQUIPMENT

Tangible assets are measured in the balance sheet at cost less accumulated depreciation and impairment charges.

When the asset consists of several items with different useful lives, each item will be dealt with as a separate asset. In this case the replacement costs of the item are capitalized and the remaining part of the asset is expensed. Otherwise subsequent costs are included in the book value of property, plant and equipment only when it is probable that the future economic benefits associated with the item will flow to the Group and that the cost can be measured reliably. Other repair and maintenance costs are charged to the income statement when they occur.

Depreciation has been calculated using the straight-line method based on the useful lives of the assets. Land areas are not depreciated except for mining areas, where depreciations are recognised based on the consumption of the rock material and stacking area filling time. The useful lives are as follows:

Buildings 25 to 30 years
Constructions 5 years
Process machinery 3 to 10 years
Motor vehicles 5 to 8 years
Other property, plant and equipment 3 to 5 years

The acquisition cost of the equipment is amortised by 25 per cent outlay residue write-offs. Investment property buildings have a depreciation period of 10 to 20 years.

The assets' residual values and useful lives are reviewed, and adjusted if appropriate, at each balance sheet date. Gains and losses on disposal of property, plant and equipment are included in either other operating income or in other operating expenses.

BORROWING COSTS

Borrowing costs are expensed as occurred.

PUBLIC GRANTS

Government and other public grants related to the

purchase of property, plant and equipment or intangible assets are deducted from the carrying amount of the asset when there is a reasonable assurance that the grant will be received and the group will comply with attached conditions. The grants are recognized in the income statement during the useful life of the asset in the form of lower depreciation on the asset in question. Government grants relating to costs are deferred and recognised in the income statement over the period necessary to match them with the costs that they are intended to compensate. Government grants are presented within other operating income.

INVESTMENT PROPERTIES

Investment properties are properties held in order to obtain rental revenues or capital appreciation. Investment properties are valued at cost less accumulated depreciation.

INTANGIBLE ASSETS GOODWILL

Goodwill represents the excess of the cost of the business combination over the Group's share in the net fair value of the identifiable assets, liabilities and contingent liabilities at the date of acquisition. Goodwill arising from acquisitions before January 1, 2004 represents the carrying amount of goodwill at the date of transition to IFRS based on the previous accounting principles.

Goodwill is not amortised but tested annually for impairment. For this purpose the goodwill has been allocated to cash generating units. The goodwill is valued at historical cost less impairment.

OTHER INTANGIBLE ASSETS RESEARCH AND DEVELOPMENT COSTS

Research costs are recognized as expenses in the income statement are capitalised. Development costs arising from planning of new or improved products are capitalized as intangible assets in the balance sheet when the entity can demonstrate the technological and commercial feasibility of the product. Capitalised development costs comprise material, labour and test costs incurred in bringing the assets capable of operating in the manner intended by management. Development costs previously expensed cannot be capitalized later.

Amortisations of an asset are started when the asset is available for use. Assets not available for use are annually tested for impairment. After initial recognition, intangible assets shall be carried at cost less any accumulated amortisation and any accumulated impairment losses. The useful life of the capitalized development costs is 5 to 10 years during which the capitalized assets are recognized as expenses using the straight-line method.

COSTS OF EXPLORATION AND EVALUATION OF MINERAL RESOURCES

Costs of exploration and evaluation of soapstone are mainly capitalised. However, costs of exploration and evaluation of soapstone are expensed when there is significant uncertainty related to commercial viability. Elements of cost of exploration and evaluation are geographical studies, exploration drilling, trenching, sampling and activities in relation to evaluating the technical feasibility and commercial viability of extracting mineral resources. After initial recognition Group applies the cost model and assets are amortised between 5 – 10 years. Exploration and evaluation the assets are classified as a separate intangible asset until technical feasibility and commercial viability is demonstrable. Afterwards the exploration and evaluation assets are classified to other intangible assets. The Exploration and evaluation activities start when the Ministry of Employment and the Economy has granted a right of appropriation.

Intangible assets should be recognized in the balance sheet only if the cost of the item can be measured reliably and it is probable that the future economic benefits associated with the asset will flow to the entity.

Costs arising from establishing the quarries and construction of roads, dams and other site facilities related to the quarry are also capitalised. It can take years to establish a quarry. The amortisation of the quarrying areas and basins and other auxiliary quarry constructions is started when the quarry is ready for production use and amortisation is recognised over its useful life using the unit of production method. The amortisation of construction expenses of roads and dams is started in the construction year.

Intangible assets with a finite useful life are amortised over their useful live using the straight-line method. Intangible assets that have an indefinite useful life are not subject to amortisation and are tested annually for impairment.

Amortisation periods of intangible assets are as follows:
Patents and trademarks 5 to 10 years
Development costs 5 to 10 years
Distribution channel 10 years
Mineral resource exploration and
evaluation costs 5 to 10 years
Quarrying areas and basins unit of production method
Quarrying area roads and dams 5 years
Computer Software 3 to 5 years
Others 5 years

Intangible assets that have an indefinite useful life are not subject to amortization and are tested annually for impairment.

The useful live of trademarks related to Fireplaces Business –segment and to Other Operations -segment has been assessed to be indefinite, because there is no foreseeable limit to the period which these assets are expected to generate net cash inflows.

INVENTORIES

Inventories are valued at cost or at lower probable net

realisable value. The cost is determined using the weighted average cost method. The cost of quarried blocks is affected by the stone yield percentage. The cost of finished goods and work in progress consists of raw materials, direct labor, other direct costs and related variable and fixed production overheads allocated on a reasonable basis on a normal capacity of the production facilities. Net realisable value is the estimated selling price in the ordinary course of business less estimated costs of completion and sale.

LEASES

GROUP AS LESSEE

The leases of the Group are agreements under which substantially all the risks and rewards incident to the leased assets is retained by the lessor and the agreements are therefore classified as operating leases. Payments made under operating leases are charged to the income statement as rental expenses on a straight-line basis over the lease term.

GROUP AS LESSOR

Assets leased out by the Group are leased under operating leases. The assets are included in property, plant and equipment or investment property in the balance sheet. They are depreciated over their economic useful lives consistent with the Group's normal depreciation policy. Part of the leased assets are subleased. Lease income from operating leases is recognized in income on a straight-line basis over the lease term.

IMPAIRMENT

It is assessed at each reporting date whether there is any indication that an asset may be impaired. If any such indication exists, the recoverable amount of the asset is assessed. The recoverable amount is annually tested for impairment for the following assets independent of the existence of indicators of impairment: goodwill and intangible assets in progress. Mineral resource exploration and evaluation assets are tested always before a change in classification of the assets in question. For the purpose of assessing impairment assets are grouped at the lowest levels for which there are separately identifiable cash-generating units with separately identifiable cash flows.

The recoverable amount is defined as the higher of an asset's or cash-generating unit's fair value less costs to sell and its value in use. Value in use is the present value of the future cash flows expected to be derived from an asset or cash-generating unit. A pre-tax rate, which reflects the market view on the time value of money and asset specific risks is used as discount rate.

An impairment loss is recognized when the carrying amount exceeds the recoverable amount. The impairment loss is immediately recognized in the income statement. If an impairment loss is allocated to a cash-generating unit, it is first recognised as deduction of the goodwill allocated to the unit and then on pro-rata basis to unit's other assets. By recognition of impairment loss the useful life of the asset to be depreciated is reassessed. For other assets except goodwill, impairment loss is reversed in case there is a change in those estimates that were used when recoverable amount of the assets was determined. The increased carrying amount must not, however, exceed the carrying amount that would have been determined if no impairment loss had been recognized in prior years. Previously recognized impairment loss of goodwill is not reversed under any conditions.

EMPLOYEE BENEFITS

PENSION OBLIGATIONS

Pension obligations are classified as defined benefit plans and defined contribution plans. In defined contribution plans the group makes fixed contributions into a separate entity. The group has no legal or constructive obligation to pay any further contributions if the receiver of payments is not able to pay the pension benefits in question. All other pension plans that do not fill these conditions are defined benefit plans. The contributions made to defined contribution plans are recognised in the income statement in the period, which they are due. Group's pension plans are defined contribution plans.

SHARE-BASED PAYMENTS

The Group has an incentive plan in which payments are settled in equity instruments and in cash. The benefits granted are measured at fair value at the grant date and recognized as an expense in the income statement on the straight-line basis over the vesting and restriction period. For the cash-settled part the related liability and the change of the liability's fair value are expensed correspondingly. The impact of the incentive plan on the income statement is presented under personnel expenses.

PROVISIONS

A provision is recognized when the Group has a present legal or constructive obligation as a result of past events and it is probable that an outflow of resources will be required to settle the obligation, and when a reliable estimate of the amount can be made. A provision is measured at the present value of the expenditure required to settle the obligation. The discount factor used in the calculation of the present value is determined so that it reflects the current market assessment of the time value of money.

A warranty provision is recognized when the product subject to the warranty is sold. The amount of the warranty provision relies on the statistical information of historical warranty realization. A provision for restructuring is recognised when the Group has prepared a detailed restructuring plan and the restructuring either has commenced or has been announced publicly. A provision of onerous contracts is recognized when the incremental costs exceed the benefits received from the contract. Based on environmental legislation the group has restoration obligations related to factory and quarry areas. A provision is recognised in the consolidated financial statements for the estimable environmental obligations.

A contingent liability is a contingent obligation as a result of a past event and its existence will be confirmed by the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. An existing obligation which probably does not require settling the payment obligation or which can not be reliably estimated is also considered a contingent liability. A contingent liability is disclosed in the notes.

INCOME TAXES

Tax expense is the aggregate amount included in the determination of profit and loss for the period in respect of current tax and deferred tax. The tax effects of items recognised directly in equity are recognised in equity correspondingly. Current tax is the amount of income taxes payable in respect of the taxable profit for the period and is calculated on the basis of the local tax legislation. Current tax is adjusted by possible tax items related to previous periods.

Deferred taxes are calculated on temporary differences between the carrying amounts of balance sheet items and their taxable values. However, the deferred tax is not accounted for if it arises from initial recognition of an asset or liability in a transaction other than business combination that at the time of the transaction affects neither accounting nor taxable profit or loss. Deferred taxes are not recognised related to goodwill that is not tax deductible. Deferred taxes are not recognised for the part of temporary difference related to subsidiaries' retained earnings that is not estimated to be reversed in foreseeable future. Most significant temporary differences arise from depreciation of property, measuring derivatives at fair value, tax losses carried forward and fair value measurement associated to acquisitions. Deferred tax is determined using tax rates that have been enacted by the balance sheet date. Deferred tax assets are recognized to the extent that it is probable that future taxable profit will be available against which the temporary differences can be utilized.

REVENUE RECOGNITION

Revenue includes the consideration received from sale of goods and services the considerations received for sales measured at fair value adjusted with indirect taxes, rebates, and translation differences from sales in foreign currency.

SOLD GOODS AND RENDERED SERVICES

Revenues of sold goods are recognized when the risks, rewards and control have been transferred to the buyer. Generally this coincides with the delivery of products in accordance with the terms of contract. Revenue from installing and services is recognised in the period when the service is rendered. Lease revenue is recognised on a straight-line basis over the lease term.

CONSTRUCTION CONTRACTS

The Group did not have any construction contract revenues in 2008 and 2007.

INTEREST AND DIVIDENDS

Interest income is recognized according to the effective interest rate method and dividends when the right to the dividend is arisen.

FINANCIAL ASSETS AND LIABILITIES

The Group classifies its financial assets in the following categories in following categories: financial assets at fair value through profit or loss, loans and receivables and available-for-sale financial assets. The classification depends on the purpose for which the financial asset was acquired and is made at initial acquisition. Assets at fair value through profit or loss are financial assets held for trading or financial assets which are classified at initial recognition in this category.

The financial assets measured at fair value through profit or loss include the financial assets held for trading. The financial assets held for trading due for settlement within twelve months are acquired in order to achieve short-term market gains and are included in the current assets. Derivatives that do not qualify for hedge accounting are classified as held for trading. derivatives and financial assets with maturities less than 12 months are included in current assets. The items are measured at fair value. Unrealized and realized gains and losses from changes in fair value are recognized in the income statement in the active period.

Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active market and the Group does not held for trading. Loans and receivables are carried at amortized cost using the effective interest rate method. Loans and receivables are included in trade and other receivables and are classified as current or non-current based on their maturity, to the latter if they have a maturity of more than 12 months.

The financial assets available for sale are non-derivative financial assets, that are specifically defined to this group of assets or that are not classified into any other category. They are recognized as non-current assets in the balance sheet except when the management intends to dispose of the investment within 12 months from the reporting date. In this case the investment is classified as a current asset. Available-for-sale financial assets can contain investments in shares and interest-bearing investments. Available-for-sale financial assets are carried at fair value, or when the fair value can not be measured reliably, at cost. Changes in the fair value of investments classified as available for sale are recognised in fair value reserve in equity deducted by tax effect. When securities classified as available for sale are sold or impaired, the accumulated fair value adjustments recognised in equity are included in the income statement as gains and losses from available-for-sale financial assets.

Cash and cash equivalents includes cash in hand, deposits held at call with banks, other short-term highly liquid investments with original maturities of three months or less, and bank overdrafts. Credit accounts are included in current interest-bearing liabilities and are presented as a net amount, because the Group has a contractual right to set-off or in other ways settle the amount to be paid to the creditor either partly or as a whole on a net basis. Other credit limits in use are included in current interest-bearing liabilities.

Transaction costs are included in the initial value of all the financial assets not carried at fair value through profit or loss. Regular purchases and sales of financial assets are recognised on the trade date.

Financial assets are derecognized when the rights to receive cash flows from the investments have expired or have been transferred and the Group has transferred substantially all risks and rewards of ownership.

FINANCIAL LIABILITIES

Financial liabilities are initially recognized at fair value on the basis of the consideration received. Subsequently, all financial liabilities are measured at amortized cost using the effective interest rate method. Financial liabilities may comprise of current and non-current, and interest-bearing and non-interest-bearing items. Financial liabilities are classified as current liabilities if the Group does not have an unconditional right to defer the settlement of the liability for at least 12 months after the balance sheet date.

Borrowing costs are expensed during the period in which they are incurred.

The principles applied in determination of fair values of all financial assets and financial liabilities are presented in note 28.

IMPAIRMENT OF FINANCIAL ASSETS

The Group assesses at each balance sheet date whether there is objective evidence that a financial asset or a group of financial assets is impaired. If any such evidence exists, the cumulative loss previously recognized in profit or loss is removed from equity and recognized through the income statement.

The group recognises an impairment loss when there is objective evidence that the trade receivables are not collectible in full. Significant financial difficulties of a debtor, probability of bankruptcy or delay of payments exceeding 90 days are considered as evidence of the impairment of trade receivables. An impairment loss to be recognised in the income statement is determined as the difference between the carrying amount of a receivable less the present value of the estimated future cash flows discounted with the effective interest rate. If, in a subsequent period, the amount of the impairment loss decreases and the decrease can be related objectively to an event occurring after the impairment was recognised, the previously recognised impairment loss shall be reversed through the income statement.

DERIVATIVE CONTRACTS AND HEDGE ACCOUNTING

Derivatives are initially recognized at fair value on the date a derivative contract is entered into and are subsequently remeasured their fair value. Gains and losses from the fair value measurement are recognized following the purpose of use of the underlying derivative. Changes in the fair value of derivatives that are designated and qualify as effective hedges are presented in the income statement, together with any changes in the hedged item. When the group enters into a derivative contract, it is accounted for either as a hedge of the fair value of receivables or liabilities or firm commitments (fair value hedge), or in respect of foreign currency risk, as a cash flow hedge or as a derivative not qualifying for hedge accounting.

At the inception of hedge accounting the group documents the relationship between hedging instruments and hedged items, as well as its risk management objectives and strategy for undertaking various hedging transactions. The group also documents its assessment, both at hedge inception and at least each balance sheet date, of whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in fair values or cash flows of hedged items.

CASH FLOW HEDGES

The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognized directly in the revaluation reserve within equity. The gains and losses accumulated in equity are recycled in the income statement in the periods when the hedged item affects profit or loss. Gains and losses from the derivatives designated to hedge future sales denominated in foreign currency are recognized as an adjustment to revenue when the sale is realized. The ineffective portion is recognized in the income statement in other operating income or in other operating expenses. If the hedged forecast transaction results in the recognition of a non-financial asset, the gains and losses previously deferred in equity are transferred to the initial measurement of the cost of the asset.

When a hedging instrument designated as a cash flow hedge expires or is sold or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss remains in equity until the forecast transaction realizes. However, if the forecast transaction is no longer expected to occur, the cumulative gain or loss deferred in equity is immediately transferred to the income statement.

EQUITY

If Tulikivi Corporation repurchases its own equity instruments the cost of these instruments is deducted from equity.

OPERATING PROFIT

The IAS 1 Presentation of financial statements does not define the concept of operating profit. The Group has defined it as following: The operating profit is the net amount attained when the net sales are added by other operating income, deducted by costs of goods sold adjusted with finished and costs of production for own use, by employee benefit expenses, by depreciation and amortisation, by possible impairment charges and by other operating expenses. All other items are presented below operating profit in the income statement. Exchange rate differences and the fair value changes of derivatives are included in operating profit if they result from operations, otherwise they are recognised in the financial items.

CRITICAL ACCOUNTING JUDGMENTS IN APPLYING THE ENTITY'S ACCOUNTING PRINCIPLES

In preparing the consolidated financial statements critical assumptions and judgments are made, the actual outcome of which might differ from the assumptions and estimates made previously. In addition, judgment is exercised in applying the accounting principles. Judgments and assumptions are based on the Directors' best estimate as at the reporting date. The estimates are based on earlier experience and assumptions of the future considered to be most probable at the balance sheet date, relating to i.a. expected development of the economic environment in which the Group operates affecting the sales volumes and expenses. The Group follows realisation of the estimates, the assumptions and the changes in underlying factors regularly in co-operation with business units by using various, both internal and external sources of information. Possible changes in the estimates and assumptions are recognized as expenses during the period they occurred and during the periods following.

comparisons have been made to comparable assets taking into account the decrease in value due to age, wearing and other corresponding factors. For all assets it has not been possible to use market values. In these cases the valuation has been based to historical cost from which the estimated decrease in value due to age, wearing and other corresponding factors has been deducted. The determination of the fair value of intangible assets is based on the estimates on the cash flows related to the assets. During the financial years 2008 and 2007 no business combinations have occurred.

The estimates of the future and assumptions as at the reporting date, that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial year are outlined below:

Determination of the Fair Values Of Assets Impairment testing

The Group tests goodwill and intangible assets under progress annually for potential impairment and estimates the indicators of impairment according to the abovementioned accounting policies. In addition, for mineral resource exploration and evaluation assets' part impairment tests are performed when the classification of the assets changes.The recoverable amounts of cash generating units are assessed based on their value in use. The assessment of these values requires the use of estimates, especially in respect of future growth estimates of the cash-generating units and changes in profitability. Further information on the sensitivity of the recoverable amount to the changes in the assumptions used is in Notes 13.3. and 13.4.

Acquired in Business Combinations

The Group has used external advisor in valuation of fair values of tangible and intangible assets in significant business combinations. For tangible assets' part

EUR 1 000

2. Segment reporting

Segment information is presented for the group's business segments and geographical segments. The Group's primary reporting format is business segments. Business segments are based on the Group's internal organisational structure and internal financial reporting. Segments' assets and liabilities are operative items, which are used in segment operations and can be reasonably allocated to segments. Other operations includes expenses that are not allocated to the Group's business functions, tax and financial expenses as well as net sales of ceramic utensils and the expenses of this business. Capital expenditure consists of additions to tangible and intangible assets, that are used in more than one financial period.

Business segments
Fireplaces business
Natural stone products business
Other operations
Geographical segments
Finland
Rest of Europe
USA
2.1. Business segments
2008
Fireplaces Natural stone products Other operations Group
Sales 56 415 7 968 2 119 66 502
Operating profit 6 555 278 -3 587 3 246
Finance income/expense, share of profit of associates and income taxes -1 817 -1 817
Profit for the year 1 429
Assets by segment 43 971 4 959 17 165 66 095
Liabilities by segment 7 699 877 30 278 38 854
Capital expenditure 2 159 233 393 2 785
Depreciation and amortisation expenses 4 629 298 755 5 682
2007 Fireplaces Natural stone products Other operations Group
Sales 59 662 7 404 2 821 69 887
Operating profit 4 433 365 -3 833 965
Finance income/expense, share of profit of associates and income taxes -604 -604
Profit for the year 361
Assets by segment 47 830 5 463 9 501 62 794
Liabilities by segment 8 783 934 25 506 35 223
Capital expenditure 4 154 421 611 5 186
Depreciation and amortisation expenses 4 829 277 544 5 650
2.2. Geographical segments
2008
Finland Rest of
Europe
USA Group
Sales 34 864 30 218 1 420 66 502
Assets by segment 64 843 838 414 66 095
Capital expenditure 2 722 63 2 785
2007 Finland Rest of
Europe
USA Group
Sales 38 296 29 704 1 887 69 887
Assets by segment 61 414 772 608 62 794
Capital expenditure 5 140 46 5 186

Geographical segment sales are presented based on the country in which the customer is located and assets are presented based on location of the assets.

EUR 1 000

3. Business combinations

Business combinations in 2008

The Group has not undertaken any business combinations during the financial years 2008 and 2007. On the basis of additional information gained during 2007, the accounting for the acquisition of the shares in Kermansavi Oy in 2006, was adjusted in 2007 by increasing environmental provisions by EUR 170 thousand, reversing an unjustified revaluation of EUR 47 thousand and increasing the amount of deferred tax liabilities recognized with EUR 75 thousand. Due to these adjustments, the related goodwill increased with about EUR 292 thousand, and amounted to EUR 3 634 thousand on December 31, 2008 and December 31, 2007.

4. Other operating income 2008 2007
Proceeds from sale of PPE 15 82
Rental income from investment properties 28 26
Public grants 294 136
Other income 347 346
Other operating income, total 684 590
5. Employee benefit expense
Wages and salaries 17 773 21 158
Pension costs - defined contribution plans 3 373 3 763
Other social security expenses 1 933 2 133
Employee benefit expense, total 23 079 27 054
5.1. Group's average number of personnel for the financial period
Fireplaces business 419 542
Natural stone products business 53 54
Other operations 54 86
Personnel, total 526 682
6. Depreciation, amortisation and impairment
Depreciation and amortisation by class of assets
Intangible assets
Capitalised development costs 159 147
Other intangible assets 791 847
Amortisation on quarries based on the unit of production method *) 133 91
Depreciation of intangible assets, total 1 083 1 085
Tangible assets
Buildings 622 620
Machinery and equipment 3 170 3 378
Motor vehicles 305 306
Amortisation on land areas based on the unit of production method 31 33
Other tangible assets 214 218
Depreciation of tangible assets, total 4 342 4 555
Investment property
Buildings 7 4
Impairment by class of assets
Investments 6
Trademark 250
Total depreciation, amortisation and impairment 5 682 5 650

*) The group changed its accounting policy for amortising quarries and mining rights from the straight-line method to the unit of production method in 2007. The change in the amortisation method resulted in a decrease of amortisation amounting to EUR 396 thousand for 2007 in comparison to the amortisation method previously applied.

EUR 1 000 2008 2007
7. Other operating expenses
Losses on sales of tangible assets 20 5
Rental expenses 1 387 1 398
Maintenance of real estates 28 67
Marketing expenses 3 252 3 927
Other variable production costs 4 127 4 779
Other expenses 4 098 4 507
Other operating expenses, total 12 912 14 683
7.1. Research and development expenditure

Research and development costs expensed totalled EUR 1 347 thousand (1 491 thousand in 2007).

7.2. Auditors' fees
Audit fees 36 78
Tax advice 33 11
Other fees 10 9
Audit fees, total 79 98

In 2008 and 2007 the statutory audit was performed by the firm of authorized public accountants KPMG Oy Ab and in 2007 partly by the firm of authorized public accountants PricewaterhouseCoopers.

8. Finance income
Changes in fair values of derivative contracts
Dividend income 5
Foreign exchange transaction gains 88
Interest income on trade receivables 34
Other interest income 116
Finance income, total 243
9. Finance expense
Changes in fair values of derivative contracts 234
Interest expenses on financial liabilities at amortised cost and other liabilities 1010
Foreign exchange transactions losses 147
Other finance expense 35
Finance expense, total 1426
10. Income taxes
Current tax 682
Tax carried from previous years
Transfer of income taxes to the revaluation reserve 21
Deferred tax -69
Income taxes, total 634
The reconciliation between Income statement tax expense and tax calculated based on Group's domestic tax base (26%).
Profit before tax 2063
Tax calculated at domestic tax rates 536
Effect of foreign subsidiaries and branch offices different tax bases 10
Income not subject to tax -2
Expenses not deductible for tax purposes 42
Tax losses for which no deferred income tax asset was recognised 48
Tax carried from previous years
Other
Income statement tax expense 634
EUR 1 000 2008 2007
11. Earnings per share
Earnings per share is calculated by dividing the profit attributable to equity holders of the parent company by the weighted average number of ordinary shares in issue during the year.
Profit attributable to equity holders of the parent company (EUR 1 000) 1 429 361
Weighted average number of shares for the financial period 37 128 494 37 143 970
Basic/diluted earnings per share (EUR) 0,04 0,01
12.Property, plant and equipment
2008
Land Buildings Vehicles and
machinery
Motor vehicles Other tangible
assets
Advances Total
Cost January 1 1 264 15 075 42 381 3 568 2 455 107 64 850
Additions 2 94 1 054 203 25 51 1 429
Reclassification to investment property 72 72
Disposals 3 172 100 35 107 417
Cost December 31 1 266 15 094 43 263 3 671 2 445 51 65 790
Accumulated depreciation and impairment January 1 186 6 478 30 795 2 555 1 081 41 095
Depreciation 31 622 3 170 305 214 4 342
Depreciation related to the disposals 138 49 26 213
Accumulated depreciation on reclassified investment property 30 30
Accumulated depreciation and impairment December 31 217 7 070 33 827 2 811 1 269 45 194
Property, plant and equipment, Net book amount January 1, 2008 1 078 8 597 11 586 1 013 1 374 107 23 755
Property, plant and equipment, Net book amount December 31, 2008 1 049 8 024 9 436 860 1 176 51 20 596

The group did not receive any grants for machinery and equipment in 2008 (totalling to EUR 10 thousand in 2007).

The Group's production machinery within property, plant and equipment has carrying amount of EUR 9 498 (10 232) thousand.

2007 Land Buildings Vehicles and
machinery
Motor vehicles Other tangible
assets
Advances Total
Cost January 1 1 061 14 777 40 371 3 270 2 066 110 61 655
Additions 203 298 2 071 568 389 3 529
Disposals 61 270 3 334
Cost December 31, 2007 1 264 15 075 42 381 3 568 2 455 107 64 850
Accumulated depreciation and impairment January 1 153 5 858 27 462 2 492 863 36 828
Depreciation 33 620 3 378 306 218 4 555
Depreciation related to the disposals 0 45 243 288
Accumulated depreciation and impairment December 31 186 6 478 30 795 2 555 1 081 41 095
Property, plant and equipment, Net book amount January 1, 2007 908 8 919 12 909 778 1 203 110 24 827
Property, plant and equipment, Net book amount December 31, 2007 1 078 8 597 11 586 1 013 1 374 107 23 755

EUR 1 000

13. Intangible assets
13.1. Goodwill and other intangible assets
2008
Goodwill Patents and
trademarks
Development
costs
Internally
generated
capitalised
intangible assets
Mineral resource
exploration and
evaluation
assets
Other intangible
assets
Total
Cost January 1 4 266 3 678 847 9 458 164 9 691 28 104
Additions 34 488 428 950
Capitalised development costs 406 406
Cost December 31 4 266 3 712 1 253 9 946 164 10 119 29 460
Accumulated amortisation January 1 368 211 6 768 104 5 247 12 698
Depreciation 23 159 350 31 520 1 083
Impairment 250 250
Accumulated amortisation and impairment December 31 641 370 7 118 135 5 767 14 031
Goodwill and other intangible assets, Net book amount January 1, 2008 4 266 3 310 636 2 690 60 4 444 15 406
Goodwill and other intangible assets, Net book amount December 31, 2008 4 266 3 071 883 2 828 29 4 352 15 429

The group received grants totalling to EUR 188 (70) thousand for development costs. The grants have been recognised as deduction of the carrying amount.

Internally generated intangible assets are mainly costs incurred from opening new quarries. The carrying amount of intangible assets includes costs incurred from opening quarries EUR 4 102 (3 315) thousand in total.

There were no classification changes relating to the mineral resources exploration and evaluation assets, that is, there were no transfers to other intangible assets during the reporting period or comparative period. EUR 50 (96) thousand of expenditures relating to mineral resources exploration and evaluation have been recognised directly as an expense in the income statement.

2007 Goodwill Patents and
trademarks
Development
costs
Internally
generated
capitalised
intangible assets
Mineral resource
exploration and
evaluation
assets
Other intangible
assets
Total
Cost January 1 4 266 3 660 749 8 607 164 8 997 26 443
Additions 18 851 694 1 563
Capitalised development costs 98 98
Cost December 31 4 266 3 678 847 9 458 164 9 691 28 104
Accumulated amortisation January 1 346 63 6 751 71 4 382 11 613
Depreciation 22 148 17 33 865 1 085
Accumulated amortisation December 31 368 211 6 768 104 5 247 12 698
Goodwill and other intangible assets, Net book amount January 1, 2007 4 266 3 314 686 1 856 93 4 615 14 830
Goodwill and other intangible assets, Net book amount December 31, 2007 4 266 3 310 636 2 690 60 4 444 15 406

EUR 1 000

13.2. Goodwill allocation

For the purpose of impairment testing EUR 3.6 million of goodwill has been allocated to Ceramic fireplaces unit under Fireplaces Business segment and EUR 0.6 million to Natural Stone Products Business segment, which are separate cash-generating units. Of the value of the Kermansavi trademark acquired in the acquisition of Kermansavi Oy, amounting to EUR 3.2 million, EUR 2.7 million has been allocated to Ceramic fireplaces unit under Fireplaces Business segment and EUR 0.5 million to Utensils unit under Other Operations segment. The useful life of the brand has been estimated to be indefinite, since it is expected to generate net cash inflows for the group for an undefined period of time.

The carrying amounts of goodwill and trade mark were allocated as follows: Natural Stone Product Fireplaces Other
Operations
2008
Goodwill 632 3 634
Trademark 2 712 229
Total 632 6 346 229
2007
Goodwill 632 3 634
Trademark 2 712 479
Total 632 6 346 479

13.3. Recognition and allocation of impairment losses

During the course of the year ended an impairment loss amounting to EUR 250 thousand has been recognized on Utility Ceramics unit under Other Operations segment. The impairment was allocated to the trademark. After the recognition of the impairment loss the carrying amount of the trade mark amounts to EUR 229 thousand. The main reason for impairment was the sales volume and the result of the Utility Ceramics unit, which did not meet the targets set.

13.4. Impairment testing

In impairment testing the recoverable amounts of the business segments are determined based on value in use. The estimated cash flow projections are based on forecasts approved by management covering a five-year period. The pre-tax discount rate used range from 7.0 to 7.4 per cent which equal the weighted average cost of capital. The future cash flows beyond the forecast period approved by management are extrapolated by using a constant 1 per cent growth rate. The growth rate used does not exceed the actual long-term growth rate of the industry in question.

The key assumptions used in determining value in use were as follows:

  1. Budgeted sales margin

  2. The budgeted sales margin is determined based on the last year's actual sales margin. The Group does not expect any material changes to occur in the sales margin during the forecast period.

  3. Budgeted market share is determined based on the previous year's actual market share. The value of the assumption is based on actual development. The market share is not expected to change materially, when continuous product development and anticipated tightening of competition is taken into account.

  4. Budgeted royalty percentage, which is the amount that an external party would be willing to pay for a license agreement, determined based on actual data in the industry.

  5. The discount rate is defined as the weighted average cost of capital (WACC) where the cost of capital is weighted average cost of equity and liabilities.

Sensitivity analysis of impairment tests

An increase in the discount rate with 1 percentage point or the result being 20 per cent lower than the target set would result in an additional impairment loss of EUR 350 thousand in Utility Ceramics unit under Other Operations segment. An increase in the discount rate with 1 percentage point would not lead to recognition of an impairment loss in Fireplaces and Natural Stone Products business areas. The result being 20 per cent lower than the target set would result in an impairment loss in Ceramic fireplaces unit under Fireplaces business segment, amounting to EUR 600 thousand, but would not lead to recognition of an impairment loss in Natural Stone Products business segment.

Mineral resource exploration and evaluation assets

Mineral resource exploration and evaluation assets belong to the Fireplaces business segment. The carrying amount of capitalised exploration and evaluation expenditure is EUR 29 (60) thousand. Impairment tests are performed always when the classification of assets in question changes and if there is an indication of impairment. Change in classification is dealt with more thoroughly in the accounting principles, section Mineral resource exploration and evaluation assets.

EUR 1 000 2008 2007
14. Investment property Land Buildings Land Buildings
Acquisition cost January 1 and December 31 188 115 188 115
Reclassification from property, plant and equipment / buildings 72
Cost December 31 188 187 188 115
Accumulated depreciation and impairment January 1 73 69
Accumulated depreciation on reclassified building 30
Disposals 7 4
Accumulated depreciation and impairment December 31 110 73
Net book amount January 1 188 42 188 46
Net book amount December 31 188 77 188 42
Fair value *) 280 280
Pledged property 34 34

*) The value of the real estates, that have market value on active markets, is based on the opinions of real estate agents.

15. Investments in associates 2008 2007
Shares and interest in associates
Acquisition cost January 1 24 24
Share of the (loss)/profit of associates 0 0
Acquisition cost December 31 24 24
Information of the Group's associates, including the aggregated amounts of assets,
liabilities, revenues and profit or loss (EUR 1 000).
2008
Domicile Assets Liabilities Sales Profit/Loss % of shares
Leppävirran Matkailukeskus Oy, Leppävirta Leppävirta 79 5 85 -1 33,0
Stone Pole Oy, Juuka Juuka 285 281 398 22 27,3
Associate financials are unaudited.
2007
Leppävirran Matkailukeskus Oy, Leppävirta Leppävirta 79 4 78 -1 33,0
Stone Pole Oy, Juuka Juuka 253 262 246 2 27,3

Stone Pole Oy is a stone business development company. The purpose of the limited liability company Leppävirran Matkailukeskus Oy is to lease and own real estates that relate to or serve tourism.

16. Other financial assets 2008 2007
Financial assets available for sale
Balance sheet value January 1 33 39
Disposals 6 6
Balance sheet value December 31 27 33

Financial assets available for sale are investments in unquoted shares and they are measured at cost, since their fair values can not be determined reliably.

EUR 1 000
17. Deferred tax assets and liabilities
Changes in deferred taxes during year 2008: Jan. 1, 2008 Adjustments
made
Recognised through
profit and loss
Translation differences Dec. 31, 2008
Deferred tax assets:
Provisions 400 -176 224
Unused tax losses 15 -1 14
Accumulated negative depreciation difference 278 -28 250
Change in the revaluation reserve 21 21
Other items 303 -18 61 346
Deferred tax assets, total 996 -18 -122 -1 855
Deferred tax liabilities:
Capitalisation of intangible assets -155 -36 -191
The effect of the business combinations -1 937 227 -1 710
Other items -160 18 -142
Deferred tax liabilities, total -2 252 18 191 -2 043
Changes in deferred taxes during year 2007: Jan. 1, 2007 Adjustments
made
Recognised through
profit and loss
Translation differences Dec. 31, 2007
Deferred tax assets:
Provisions 206 194 400
Unused tax losses 150 -200 65 15
Accumulated negative depreciation difference 226 200 -149 277
Other items 4 -162 462 304
Deferred tax assets, total 586 -162 572 996
Deferred tax liabilities:
Capitalisation of intangible assets -178 23 -155
Accumulated depreciation difference -574 574 0
The effect of the business combinations -2 088 151 -1 937
Other items -304 162 -18 -160
Deferred tax liabilities, total -3 144 162 730 -2 252

At December 31, 2008 deferred tax assets of EUR 147 (147) thousand retaling to accumulated negative depreciation difference were not recorded since it is not probable that the subsidiary in question will generate taxable income for the Group against which the unused depreciations can be utilised.

18. Inventories 2008 2007
Raw materials and consumables 5 488 6 088
Finished goods 5 964 6 572
Inventories, total 11 452 12 660

The cost of inventories recognized as expense amounted to EUR 36 301 (40 953) thousand.

A write-down of EUR 80 (46) thousand was recognised during the financial year to lower the book value of the inventories to their net realisable value.

EUR 1 000 2008 2007
19. Trade and other receivables
19.1. Current trade and other receivables
Trade receivables 5 292 5 309
Trade receivables from associates 1
Current tax assets based on the taxable income for the financial period 13 64
Accrued incomes
Grant receivables 202 85
Prepayments 123
Other accrued income 190 267
Other receivables 44 78
Current receivables, total 5 742 5 926
19.2. Aging analysis of trade receivables and impairment losses at balance sheet date Gross
2008
Impairment
2008
Gross
2007
Not past due 4 071 3 722
Past due 1-30 days 731 993
Past due 31-90 days 430 446
Past due over 90 days 253 193 223
Total 5 485 193 5 384
19.3. Trade receivables by risk categories
Largest customers by customer groups
Stove producers 1 046 486
Distributors of fireplaces in foreign countries 1 305 102 1 845
Construction companies 911 64 922
Distributors in home country 984 940
End users 1 239 27 1 191
Total 5 485 193 5 384
The carrying amount of trade receivables for which the terms have been renegotiated 0 0
Trade and other receivables
The carrying amounts of trade and other receivables equal with their fair values, since discounting has not material effect owing to short maturities.
20. Cash and cash equivalents 2008 2007
Cash in hand and at bank 11 705 3 765

At the balance sheet date, fixed-term deposit under cash and cash equivalents amounted to EUR 8 503 thousand, with maturities of less than three months.

21. Notes to shareholders' equity
Share series Number of
shares
% of
shares
% of
voting rights
Share, EUR of
share capital
K shares (10 votes) 9 540 000 25,7 77,6 1 621 800
A shares (1 vote) 27 603 970 74,3 22,4 4 692 675
Total at December 31, 2008 37 143 970 100,0 100,0 6 314 475

According to the articles of association the company shall distribute from distributable profit EUR 0.0017 per share more to the company's series A shares than for the company's series K shares. Tulikivi Corporation's series A share is listed in the NASDAQ OMX Helsinki Ltd.

The shares entered in the company's book-entry account in accordance with Finnish Companies Act - the "joint account" - were sold in April-May 2003 on behalf of the shareholders. Shareholders and other right holders are entitled until May 2013 to withdraw the amount of funds corresponding to their shareholding by delivering their share certificates and required notices of receipt to one of the offices of Sampo Pankki Plc or to the State Provincial Office of Eastern Finland.

Translation differences

Translation differences consist of translation differences related to translation of the financial statements of foreign entities into Group reporting currency.

Revaluation reserve

The revaluation reserve includes the effective portion of changes in the fair value of derivatives that qualify as cash flow hedges.

Treasury shares

During the financial year the company has acquired 74 000 own shares based on the authorization given by the Annual General Meeting on 17 April 2008. The acquisition price has been the stock exchange rate of the share at the time of acquisition. The acquired shares represent 0.2 per cent of the share capital and 0.06 per cent of the voting rights. The acquisition of own shares has not had any material impact on the distribution of ownership or voting rights of the company.

During the financial year the parent company has purchased its own shares as
follows:
Period Number of shares Consideration transferred
(average), eur
Consideration transferred
(range), eur
1.08. - 31.08.2008 13 334 1,344 1,31 - 1,39
1.09. - 30.09.2008 19 270 1,298 1,23 - 1,34
1.10. - 31.10.2008 5 000 1,124 0,90 - 1,23
1.11. - 30.11.2008 22 396 0,890 0,80 - 0,96
1.12. - 31.12.2008 14 000 0,654 0,65 - 0,67
Total at December 31, 2008 74 000 1,050 0,65 - 1,39

22.Group's distributable equity

Parent company's distributable earnings were EUR 6 946 (7 504) thousand.

Dividends

The Board of Directors has proposed after the balance sheet date that a dividend of EUR 0.0280 per share will be paid for A series shares and EUR 0.0263 per share to be paid for the K series shares.

23. Pension obligations

All Group's pension plans where defined contribution plans at December 31, 2008. The group had no defined benefit liabilities at the year-end 2008, nor 2007.

EUR 1 000

24. Provisions Environmental provision Warranty provision Restructuring provision
2008 2007 2008 2007 2008 2007
Provisions January 1 397 410 462 382 687
Increase in provisions 120 115 238 330 687
Effect of discounting, change -60 -95
Used provisions -33 -238 -250 -687
Provisions December 31 457 397 462 462 687

Warranty provision

There is a warranty period of five to ten years related to certain products of Tulikivi Group. During the warranty period faults consistent with the warranty contract are fixed at company's expense. Warranty provision is based on previous years experience on the faulty products, taking into consideration improvements.

Environmental provision

A provision for Tulikivi Group's estimable environmental obligations has been recognised. The provision covers the costs from future closure of quarries related to monitoring waters, security arrangements and stacking area lining work. For the quarries open at the moment, the costs are estimated to incur on average in twelve years from now. The discount rate used in determining the present value is 5 per cent.

Restructuring provision

The restructuring provision recognized in 2007 was used in 2008. The provision related to termination benefits resulting from the dismissals decided based on the co-operation negotiations carried out in 2007.

2008
Non-current provisions 919
Current provisions
Total 919
25. Interest-bearing liabilities
Balance sheet value 26 725
25.1 Non-current
Bank borrowings 12 810
TyEL premium loans 7 000
Other non-current interest bearing liabilities 1 772
EUR 1 000 2008 2007
25.2. Current
Current portion of non-current bank borrowings 4 670 2 852
Current portion of other non-current interest bearing liabilities 473
Other current interest-bearing liabilities 473 536
Non-current loans expire as follows:
2008 3 326
2009 5 144 4 839
2010 6 301 4 186
2011 5 166 2 900
2012 3 643 2 264
2013 2 612 1 498
Later 3 859 2 063
Total 26 725 21 076

25.3. The terms of interest-bearing liabilities

Debt obligations are denominated in euro.

At December 31, 2008 interest-bearing non-current liabilities effective interest rate weighted average was 4.0 per cent (4.5 per cent) including the effect of interest rate swaps and 4.2 per cent (4.9 per cent) excluding the effect of the interest rate swaps.

Fair values of interest-bearing liabilities:

The carrying amounts of interest-bearing liabilities broadly equal their fair values, since 59.8 per cent (87.0 per cent) of the liabilities have floating interest rates and the interest rate of fixed rate loans approximates the interest rate of corresponding liabilities at the balance sheet date. In order to manage interest rate risk the group has entered into interest rate swaps, amounting to EUR 13.0 million (EUR 7.4 million).

Special terms financing

Total amount of EUR 17.8 (16.1) million of the Group's liabilities are under covenants and other conditions connected with the Group's solvency and profitability. The conditions do not directly restrict the Group's use of equity, but they might require negotiations with the financier and arranging additional collaterals to the loans.

26. Trade and other payables 2008 2007
26.1. Non-current
Unpaid acquisition price of subsidiaries 347
26.2. Current
Trade payable 1 876 2 418
Advances received 20 2
Accrued expenses
Wages and social security expenses 4 394 4 511
Discounts and marketing expenses 653 505
External services 445 334
Other accrued expenses 903 757
Amounts due to associates 39 6
Other liabilities 734 856
Current trade and other payables, total 9 064 9 389

Other accrued expenses comprise accrued interest expenses and accruals related to other operating expenses.

27. Financial risk management

The Group's activities expose it to various financial risks. The objective of the Group's financial risk management is to minimisize the unfavourable effects of the changes in the finance market to its profit for the period. The main financial risks to which the Group is exposed are foreign exchange risk, interest rate risk, credit risk and liquidity risk. The Group finance has been centralised in parent company, and the financing of the subsidiaries is mainly taken care of by internal loans. The liquidity of the Group companies is centralised by consolidated accounts. The group treasury is responsible for investing the liquidity surplus and for financial risk management in accordance with the policies approved by the Board of Directors.

27.1. Foreign exchange risk:

The group's currency risks arise from commercial transactions, monetary items in the balance sheet and net investments in foreign subsidiaries. The most important currencies in respect of the group's foreign currency risk are United States Dollar (USD) and Russian Rouble (RUB). Over 95 per cent of the group's cash flows are denominated in euro, thus the group's exposure to foreign currency risk is not significant. Foreign currency risk can be hedged with foreign exchange contracts. The group had no open foreign exchange contract positions at the balance sheet date 2008 or 2007. The group does not apply hedge accounting as defined under IAS 39 on foreign exchange contracts.

The functional currency of the parent company is Euro. Foreign currency assets and liabilities translated to euro using the balance sheet rate are as follows:

2008 2008 2007 2007
Nominal values, EUR 1 000 USD RUB USD RUB
Non-current assets 42 1 47
Current assets 559 62 905 25
Current liabilities 9 3 50 15
Net position 550 101 856 57

The equity-related foreign currency translation position, which mainly pertains to the foreign subsidiaries, was minor at the balance sheet date 2008 and 2007. The Group does not hedge the foreign equity exposure.

The table below analyses the effect of strengthening or weakening of Euro against the currencies below assuming that all other variables remain constant. The sensitivity analysis is based on assets and liabilities denominated in foreign currencies at the balance sheet date.

2008
Income statement
2007
Income statement
+/- 10 per cent change in EUR/USD
exchange rate, before income taxes +/- 55 +/- 86
+/- 10 per cent change in EUR/RUB
exchange rate, before income taxes +/- 6 +/- 6

27.2. Interest rate risk

The Group's short-term money market investments expose Tulikivi to interest rate risk but their effect as a whole is not material. The Group's result and cash flows from operating activities are mainly independent from changes in interest rates.

The group is exposed to fair value interest rate risk which largely relates to the loan portfolio. The group can borrow funds with fixed or floating rates and use interest rate swaps in order to hedge risks arising from fluctuation of interest rates. In accordance with the risk management principles the amount of fixed rate borrowings and borrowings hedged with interest derivatives shall be over 50 per cent of the total loan portfolio. The share of interest rate sensitive loans amounted to EUR 15.9 (18.3) million representing 59.8 per cent (87.0 per cent) for interest-bearing liabilities at the year-end. At the balance sheet date the group had open long-term interest rate swaps denominated in Euro with a nominal value of EUR 8.8 (7.4) million. Based on these interest rate swaps the group receives floating rate interest based on Euribor rates (EUR 6.2 million / 3 months, EUR 2.6 million / 6 months) and pays fixed interest on average 3.9 (3.7) per cent. In addition the Group has a short-term interest rate swap with the nominal amount of EUR 4.2 million, under which the Group pays 3 months Euribor and receives 1 month Euribor. The Group applies hedge accounting to those interest rate swaps which result in effective hedging. The fair value changes of these interest rate swaps, resulting in a loss of EUR 81 thousand at the balance sheet date, are rocognized in the revaluation reserve under equity. The fair value changes of other interest rate swaps resulted in a loss of EUR 224 thousand (gain of EUR 70 thousand), which has been recognized in the income statement

The interest rate risk related to loans amounts to EUR 72 thousand (110 thousand) assuming 1 per cent change in market interest rates. The impact of derivatives on interest rate risk has been taken into account.

Interest rate risk 2008 2007
EUR 1 000 Balance sheet value Balance sheet value
Fixed rate instruments
Financial liabilities 10 750 2 750
Floating rate instruments
Financial assets 11 705 3 765
Financial liabilities 15 975 18 326

27.3. Credit risk

The Group has no significant concentration of credit risk since it has a large clientele and receivables of single costumer or a group of customers is not material for the Group. The aggregate amount of the credit losses on trade receivables and the impairment losses on other receivables recognised in the income statement during the financial year totalled EUR 238 (97) thousand. Credit risk related to commercial activities has been reduced by customer credit insurances. These covered 54.2 (61) per cent of the outstanding accounts at balance sheet date. Business units are responsible for credit risk related to trade receivables. The aging analysis of trade receivables is presented in note 19.2. The group's maximum credit risk exposure for trade receivables is their carrying amount at the year-end less any compensation received from customer credit insurances. The risk related to financial instruments is that the counterparty fails to meet its contractual obligations. Liquid assets are invested in targets with good credit standing. Derivative contracts are only entered into the banks having a good credit rating.

The maximum credit risk related to group's other financial assets than trade receivables equals their carrying amounts at the balance sheet date.

27.4. Liquidity risk

The group strives to continuously asses and monitor the amount of capital needed for business operations in order to ensure that the group has adequate liquid funds for financing its operations and repayment for loans due. The Group aims at ensuring the availability and flexibility of financing is ensured, in addition to liquid funds, by using credit limits and different financial institutions for raising funds. The unused credit limits and undrawn credit facilities amounted to EUR 4.0 (6.5) million at the balance sheet date. Management is in the opinion that the Group has adequate amount of financing available for the near future.

The following table summarises the maturity profile of the group. The undiscounted amounts include interests and capital repayments.

27.5. Maturity analysis
December 31, 2008
Type of credit Balance sheet
value
Undrawn credit
facilities
Under 1
year
1 - 2
years
3 - 5
years
Later than
5 years
Loans from credit institution 24 480 5 659 6 324 11 549 4 028
Cash flows from derivatives 17 20 28
Hire-purchase liabilities 2 246 581 829 1 052
Credit limit accounts 4 000
Trade and other payables 9 210 9 210
Total 35 936 4 000 15 467 7 173 12 629 4 028
December 31, 2007
Type of credit Balance sheet
value
Undrawn credit
facilities
Under 1
year
1 - 2
years
3 - 5
years
Later than
5 years
Loans from credit institution 18 063 2 000 3 680 4 741 8 621 3 820
Cash flows from derivatives -68 -57 -78 -8
Hire-purchase liabilities 3 013 1 155 881 1 895
Credit limit accounts 536 4 464 536
Trade and other payables 9 813 9 466 347
Total 31 425 6 464 14 769 5 912 10 438 3 812
Derivatives, nominal value
Interest rate swaps
2008 2007
Arrive at maturity 2008 1 131
Arrive at maturity 2009 5 735 1 131
Arrive at maturity 2010 1 498 3 394
Arrive at maturity 2011-2013 5 558 1 698
Arrive at maturity 2014 or later 236
Total Interest rate swaps 13 027 7 354

The fair values of interest rate swaps are determined using a method based on the present value of future cash flows, supported by market interest rates at the balance sheet date and other market information.

27.6 Capital management

The objective of the Group's capital management is through an optimal capital structure to support the business operations by ensuring the normal operating conditions and increase shareholder value by striving at the best possible return. An optimal capital structure also guarantees lower cost of capital. The capital structure is effected i.a. through dividend distribution and share issues. The Group may change and adjust the dividends distributed and capital repaid to the shareholders or the number of new shares issued or decide on sales of assets in order to repay liabilities.

The group monitors capital on the basis of the equity ratio, for which 40 per cent is set as the lowest limit for dividend distribution.

The group calculates equity ratio using the following formula

100*Equity / (Balance sheet total - Advances received)

2008 2007
Equity 27 242 27 571
Balance sheet total 66 095 62 794
Advances received 21 2
Solvency ratio, % 41,2 43,9

28. Currying amounts of financial assets and financial liabilities by categories and their fair values

Balance sheet, 2007 Financial assets or
liabilities at fair
value through
profit or loss
Loans and
receivables
Available-for
sale financial
assets
Financial liabilities
at amortised cost
Carrying amounts
of balance sheet
items
Fair value
Long-term assets
Other financial assets 51 51 51
Short-term assets
Trade and other receivables 5 336 5 336 5 336
Cash and cash equivalents 11 705 11 705 11 705
Carrying amounts of financial assets by categories 17 041 51 17 092 17 092
Long-term liabilities
Interest bearing liabilities 21 582 21 582 21 582
Derivatives 177*) 177 177
Short-term liabilities
Interest bearing liabilities 5 144 5 144 5 144
Trade and other payables 2 472 2 472 2 472
Carrying amounts of financial liabilities by categories 177 29 198 29 375 29 375

*) Includes cash flow hedging instruments recognized in the revaluation reserve, amounting to EUR 81 thousand.

EUR 1 000
Balance sheet, 2007 Financial assets or
liabilities at fair
value through profit
or loss
Loans and
receivables
Available-for
sale financial
assets
Financial liabilities
at amortised cost
Carrying amounts
of balance sheet
items
Fair value
Long-term assets
Other financial assets 57 57 57
Short-term assets
Trade and other receivables 5 394 5 394 5 394
Derivatives 138 138 138
Cash and cash equivalents 3 765 3 765 3 765
Carrying amounts of financial assets by categories 138 9 159 57 9 354 9 354
Long-term liabilities
Interest bearing liabilities 17 751 17 751 17 751
Other long-term liabilities 347 347 347
Short-term liabilities
Interest bearing liabilities 3 861 3 861 3 861
Trade and other payables 2 424 2 424 2 424
Carrying amounts of financial liabilities by categories 24 383 24 383 24 383
29. Adjustments of cash generated from operations 2008 2007
Non-cash transactions:
Depreciations and amortizations 5 432 5 644
Impairment 250 6
Share of profit of associates 0 0
Exchange differences 59 -53
Other 6 -77
Non-cash transactions, total 5 747 5 520
30. Leases
Operating leases
30.1. Group as lessee
Future aggregate minimum lease payments under non-cancellable operating leases: 2008 2007
Not later than 1 year 1 004 868
Later than 1 year and not later than 5 years 163 140
The Group has leased several production and office facilities. The agreements are mainly made for the time being.

Fixed-term leases include an option to continue the agreement after the initial date of expiration.

The income statement for 2008 includes expensed lease rentals EUR 1 129 (1 066) thousand.

EUR 1 000 2008 2007
30.2. Group as lessor
The Group has leased commercial spaces and offices from its own properties under
cancellable operating leases.
In addition, the Group has subleased some of its offices.
Minimum lease payment under non-cancellable operating leases
Not later than 1 year 45 47
Later than 1 year and not later than 5 years 7 3
31. Commitments
Loans with related mortgages and pledges
Loans from financial institutions and loan guarantees 18 730 15 312
Credit limits 4 000 5 000
Other long-term liabilities 2 263 3 051
Real estate mortgages given 9 186 8 891
Company mortgages given 13 396 13 396
Object for purchase 2 263 3 051
Pledged leaseholds 219 219
Total given mortgages and pledges 25 064 25 557
Other own liabilities for which guarantees have been given
Guarantees 450 520
Total other commitments 35 280
Total other own liabilities for which guarantees have been given 485 800
Company mortgages given 450 779
Pledges given 35 35
Total given guarantees on behalf of other own liabilities 485 814
Derivatives (Interest rate swaps)
Derivatives, nominal value 13 027 7 354
Derivatives, fair value -177 138
Obligation to repay VAT deductions made in earlier periods 164 292

32. Contingent purchase price

During 2008 was paid the contingent consideration of EUR 0.3 million for Kivia Oy's shares included in the non-current liabilities in 2007.

33. Other contingent liabilities

Tax to be paid and claim for adjustment

The final income tax to be paid for the year 2007 by the group company Kivia Oy amounts to EUR 361 thousand and related interest EUR 13 thousand. In its 2007 tax form the company has requested that the claim for adjustment submitted in 2007 concerning the previous years would be considered in taxation. The claim deals with an error regarding recognition of non-current assets depreciated using the straight-line method. The board of adjustment has not yet discussed the claim. The company is in the opinion that the claim for adjustment is justified and considers that no income tax should become payable for the year 2007. Due to this the income tax to be paid and interest have not been recognized in the financial statements. However, should the income tax or part of it become payable, a deferred tax asset would arise. Thus the decision would have an impact of the group's result and equity only in respect of the unrecognized interest. The unrecognized interest accumulated by the balance sheet date amounts to EUR 16 thousand. The enforcement of the income tax payment decision has been suspended.

Environmental obligations

Tulikivi group has landscaping obligations based on the Mining Act and other environmental legislation, which must be met during operations and when the quarries are shut down in the future.

Actions demanded by the environmental obligations are continuously performed besides normal production processes. Handling of water, arrangements for soil and rock material stacking areas, vibration and noise measurement, dust prevention and the monitoring the measurement result belong to these tasks. The costs relating to these activities are mainly recognised in the income statement as expense. Transport of soil material to stacking areas by opening new quarries is capitalised to other long-term expenses and depreciated during the useful life of the quarry. Lining work of stacking areas is based on long-term quarrying plans, according to which surface material of new opened quarries will be used in lining work. However, the lining work cannot be done until the point when there are finished sectors in the stacking area. No provision is recognised for the lining work, because it is not estimated to increase the costs of normal quarrying work.

After a factory or a quarry is shut down, the final lining work of the stacking areas, water arrangements, establishing of check points, bringing to safety condition and planting and seeding the vegetation will take place. For that part of these costs which are estimable, a provision is recognised.

Based on the environmental authorisations, the Group has given guarantees to the effect of EUR 229 600 in total, and additional EUR 270 000 which were given after the balance sheet date. For other environmental obligations, the Group has given real estate mortgages for EUR 33 638.

34. Indicators relating to environmental obligation 2008 2007 2006
Use of energy, electricity MWh 14 987 18 517 17 897
Use of oil, m3 825 1 020 811
District and wood chips heating, MWh 1 457 1 312 1 065
Liquid gas, tonne 348 521 825
Fuel for vehicles was used in total 500 (700) tonne, explosives 82 (105) tonne.
Transfer of soil and use of raw material
Soapstone, 1 000 fixed-m3 gross 144 241 219
Soil and residual rock material, 1 000 m3 (detached material) 115*) 690 880

*) Left over stone, soapstone and soil have been utilized in the preparatory work in the mining patent in Vaaralampi, Juuka, as construction material for dam works and roads as well as for replacement of soil and as crushed stone, totaling approximately 428 000 m³ (detached material), due to which the amount of residual rock material is considerably lower compared to the previous year.

The lubricant used for saw chains, for soapstone extraction sawing, is rapeseed oil which binds permanently with fine soapstone powder. During the year 2008 105 (135) cubic meter rapeseed and pine oil was spent.

The amount of soapstone used is affected by factory-specific capacity as well as yield of stone in the quarry and the factory in a given time.

Acquired natural stone, 1 000 tonne 7 7 8

Leftover clippings from production are partly used as filling for earthwork sites, the rest is stacked in stacking areas or is transferred to a waste disposal site. The natural stone is purchased from external suppliers.

The ceramic production uses mainly natural materials, like clay, feldspar, quartz, different kind of cements and gravel as raw material. The amount of ceramic materials used annually is approximately 2 500 tonnes. Components including heavy metals are used only in very insignificant amounts in production. Disposing of components including heavy metals takes place at hazardous waste disposal plants.

In 2008 100 217 cubic meter new process water and 14 856 cubic meter domestic water was taken in group's production processes. Process waters have closed circulation except for the production plant in Kuhmo. In Kuhmo as well as in the Espoo, Taivassalo and Heinävesi production plants process waters are treated in sedimentation basins. Process waters are extracted through sedimentation basins to the water system. Quarry waters are led to the water system through sedimentation basins. Domestic waste water is led to the municipal waste water system or in absence of such a system, in filted fields.

35. Related-party transactions

The Group's related parties are the parent company, subsidiaries, associates, board members and managing director. In addition Finnish Stone Research Foundation is included in the related parties.

35.1. The Group's parent company and subsidiaries have the following relation: Ownership interest (%) Share of voting right (%)
Tulikivi Corporation, Juuka, parent company
Kivia Oy, Kuhmo 100 100
Tulikivi U.S. Inc., USA 100 100
AWL-Marmori Oy, Turku 100 100
The New Alberene Stone Company Inc., USA 100 100
Uuni Vertriebs GmbH, Germany 100 100
OOO Tulikivi, Russia 100 100
Associated companies
Stone Pole Oy, Juuka 27 27
Leppävirran Matkailukeskus Oy, Leppävirta 33 33
35.2. Related party transactions: 2008 2007
Sales of goods and services
Sales of goods and services to associated companies 13 2
Purchases of goods and services
Purchases of goods and services from associated companies 173 86
Transactions with key management
Leases from related parties 115 105

At December 31, 2008, the Group did not have any receivables from key management.

Transactions with other related parties

Tulikivi Corporation is a founder member of Finnish Stone Research Foundation. In 2008 the company has donated EUR 100 (70) thousand to the foundation. In addition, the company has leased offices and storages from the property owned by the foundation and North Karelian Educational Federation of Municipalities. The rent paid for these facilities was EUR 128 (125) thousand. The rent corresponds to the market level of rents. The service charges by Tulikivi Corporation where EUR 52 (34) thousand in 2008. The Foundation did not charge any services from Tulikivi Corporation.

36. Share-based payments

The Tulikivi Group has a share-based incentive plan for key personnel. Based on the plan the vesting periods are the years 2008, 2009 and 2010. The incentive plan is conditional. The reward from the plan for the vesting period 2008 is based on the Group´s profit after financial items and cash flow from operating activities. In accordance with the terms of the plan for the year 2008 the reward could have been at the maximum 120 000 Tulikivi Corporation Series A shares and a cash payment corresponding to the value of the shares. A maximum total of 360 000 Series A shares and cash payment corresponding the value of the shares will be paid as rewards on the basis of the entire share-based incentive plan. The grant date of the incentive plan was 18 April 2008 and the share price at the grant date was EUR 1.5. The 2008 profit/cash flow entitled to 10 per cent of the maximum reward of the incentive plan. Based on the terms of the plan Series A shares will be granted to those participating the plan, in total 9 800 shares. It is prohibited to transfer the shares within the two year restriction period. Furthermore, a key person must own at least 30 per cent of the shares earned on the basis of the plan for two years after the restriction period. The impact of the share-based rewards on the 2008 result amounted to approximately EUR 10 thousand.

37. Events following the end of the financial year

Because of the declining order inflow, the company's Board of Directors has launched a programme to improve the profitability of Tulikivi Corporation's operations and to introduce concentration measures in order to secure the company's profitability in the future. The programme is intended to achieve annual savings of approximately EUR 5 million in future years. As a result of launching the programme, the company has initiated co-determination talks with all Group personnel. The company is seeking a personnel reduction of about 120 persons. The company will also have to introduce lay-offs among its personnel during the current year. It is estimated that the programme will give rise to approximately EUR 2 million in non-recurring costs.

38. Major Risks and their Management

The Group's risks are divided into strategic and operational risks, damage, casualty and loss risks and financial risks. In the assessment of risks, their probability and impact are taken into account. After their analysis, means of preventing and controlling risks have been overviewed on the basis of their impact and probability

STRATEGIC RISKS

Strategic risks are related to the nature of business operations and concern, but are not limited to, the Group's raw material reserves, amendments to laws and decrees, business operations as a whole, the market position, the reputation of the company and the raw materials and large investments.

Unfavorable Changes in Operating Environment, Market Situation and Market Position

The recession and resulting general atmosphere lead to decline in housing construction and even in renovation which decreases the demand for products and thereby profitability. Operations in over twenty countries partly smooth the market risks relating to business cycles. The downturn may also have a negative impact on customers' solvency and subcontractors' operations.

The fireplace cultures in Tulikivi's market areas range from countries where traditional heat-retaining fireplaces are preferred to countries with strong stove traditions. Engaging in business in close over 20 countries balances out possible sales risks due to cyclical variations in the economy. Globalization leads to a shift in the fireplace cultures of our business countries, too. When the market becomes uniform changes in consumer habits may affect the demand for certain products or production materials and thereby impact on profitability. In general, this is quite a slow process. Tulikivi focuses on understanding the needs of customers and meets them by, for instance, continuously developing products for new customer segments.

Unsound price competition decrease demand for the products and thereby weaken profitability. Disturbance may arise in connection with renewal of distribution channels or owing to reasons relating to entrepreneurs which are part of the distribution channel or competing products entering the same distribution channel. Regional changes in market positions may occur due to amendments in government grants regarding different heating methods. Warm winters and impression of permanent global warming may impact, more intensively than before, on demand for a single season. It may also affect demand for different types of fireplaces. The global warming may create an illusion for consumers that fireplaces are no longer needed.

Risks Related to Managing Soapstone Raw Materials

Soapstone is a natural material whose integrity, texture and yield percentage vary by quarry. The quality of the raw materials affects manufacturing costs. Tulikivi seeks to determine the quality of the materials on a quarry-specific basis by taking core samples and through test excavations before opening the quarry. Risks are also posed by potential competitors in raw materials on a global scale and soapstone deposits held by parties other than Tulikivi. Tulikivi's strategic objective is to further increase the reserves of soapstone. We continuously seek and explore new deposits. The adequacy of the stone is increased by using the raw material as precisely as possible and by accounting for the special requirements of the stone in product development. Tulikivi manages the competition risks of its raw materials with continuous product development, a strong total concept and the Tulikivi brand.

Changes in Legislation and Environmental Issues

About half of the fireplaces manufactured by Tulikivi are exported, primarily to continental Europe, Russia and the United States. Exceptional changes in the product approval process in these countries, sudden changes in product approval, such as in the case of particulate emission limits or restrictions on use, might affect the sales potential of Tulikivi products and restrict their use. Other legislative risks are the tightening of the requirements of environmental permits for quarrying and the lengthening of permit processes. Environmental legislation and regulations may cause the company to incur costs that will affect sales margins and the earnings trend.

Tulikivi keeps abreast of the development and preparation of regulations and exercise an influence on them both directly and through regional fireplace associations. In addition, our product development takes a long-term approach to ensuring that Tulikivi products measure up to local regulations. We secure product approval for our products in all our business countries.

Business Portfolio and Acquisitions

The management of Tulikivi's business operations accounts for development opportunities, new products and customer groups and new technological solutions. New business opportunities and markets involve risks that may affect not only profitability, but also the Tulikivi brand.

The Tulikivi Group's strategic objective is to seek growth through acquisitions as well. Successful acquisitions and mergers have a bearing on the implementation of growth plans. If an acquisition or merger fails, the company's competitiveness might suffer. On the other hand, acquisitions can change the company's risk profile. However, the Group only carries out acquisitions on the basis of precise business and financial analyses.

BUSINESS RISKS

Business risks are related to products, distribution channels, personnel, operations and processes.

Product Liability Risks

We reduce potential product liability risks by developing the products for optimal user safety. We ensure that the product and service chain spanning from Tulikivi to the customer is hitch-free and knowledgeable by providing training for retailers and installers as well as ensuring that the terms and conditions of sale are precise. We also seek to protect ourselves against product liability risks by taking out product and business liability insurance policies. Keeping the product cost structure competitive is a prerequisite for maintaining demand and growth.

Operational and Process Risks

Operational risks are related to the consequences of human activities, failures in internal company processes or external events. The operational risks of factory operations are minimized by means such as compliance with the company's operating manual and systematic development efforts. Introduction of new production techniques and commissioning of production plants involves risks related to expenses and capacity. Careful planning and training of personnel are used as protection against these risks. Dependence on key goods supplies might increase the Group's material costs or the costs of machinery or their spare parts or affect production. Energy procurements from external suppliers might influence the Group's energy costs or energy supply. On the other hand, the high price of energy supports demand for products. Changes in distribution channels and logistics systems might also disturb operations. Contractual risks are part of operational risks.

The Group's business relies on functional and reliable information systems. Steps taken to manage their risks include setting up backups for critical information systems and telecom connections, selecting cooperation partners carefully and standardizing the workstation configurations and software used in the Group as well as consistent information security practices. In line with the nature of the Group's business, trade receivables and inventories are major balance sheet items. The credit loss risk of trade receivables is managed by means of a consistent credit granting policy, insuring receivables and effective collection.

The Group's core expertise involves its core business processes, including sales, product development, quarrying, manufacture, procurements and logistics, as well as the necessary support functions, which include information administration, finance, HR and communications. An unforeseen drain in the core expertise or decrease in personnel's development ability pose a risk. The company continuously seeks to step up the core expertise and other significant competence of its personnel by offering opportunities for on-the-job learning and training and by hiring competent new employees. The turnover of the key personnel has been moderate.

Boosting operational efficiency, controlled change and effective internal communications serve as means of managing operational and process risks.

DAMAGE, CASUALTY AND LOSS RISKS

Most of the Group's production is capital-intensive and a large share of the Group's capital is committed to its production plants. A fire or serious machinery break¬down, for instance, could therefore cause major damage to assets or loss of profits as well as other indirect adverse impacts on the Group's operations. The Group seeks to protect itself against such risks by evaluating its production plants and processes from the perspective of risk management. Damage, casualty and loss risks also include occupational health and protection risks, environmental risks and accident risks. The Group regularly reviews its insurance coverage as part of overall risk management. Insurance policies are taken out to cover the risks that it is prudent to insure for business or other reasons.

There are no pending legal proceedings and the Board of Directors is not aware of any other legal risks involved in the company's operations that would have a significant effect on its result of operations.

FINANCIAL RISKS

The Group's business exposes it to a variety of financial risks. Risk management seeks to minimize the potential adverse effects of changes in the financial markets on the Group's result. The main financial risks are energy price risk, market risk, and liquidity risk. Financial risks and their management are presented in greater detail in section 27 of the notes to the consolidated financial statements.

Development of the Group by Quartal and Business Area

MEUR
Q4/2008 Q3/2008 Q2/2008 Q1/2008 Q4/2007 Q3/2007 Q2/2007 Q1/2007
Sales 18,3 16,6 17,0 14,6 16,8 16,5 17,4 19,2
Fireplaces business 15,8 14,4 14,2 12,0 14,4 13,9 14,7 16,7
Natural stone products business 1,9 1,7 2,4 2,0 1,7 1,7 2,1 1,9
Other operations 0,6 0,5 0,4 0,6 0,7 0,9 0,6 0,6
Operating profit 1,3 1,3 0,9 -0,3 -0,6 0,3 0,6 0,7
Fireplaces business 2,4 1,9 1,8 0,4 0,8 0,8 1,4 1,4
Natural stone products business -0,1 0,1 0,1 0,2 0,0 0,1 0,2 0,1
Other operations -1,0 -0,7 -1,0 -0,9 -1,4 -0,6 -1,0 -0,8
Key Figures Describing Financial Development and Earnings per Share
EUR 1 000
Income statement 2004 2005 2006 2007 2008
IFRS IFRS IFRS IFRS IFRS
Sales 55 291 58 642 82 149 69 887 66 502
Change, % 3,1 6,1 40,1 -14,9 -4,8
Operating profit 6 283 6 285 8 230 965 3246
% of turnover 11,4 10,7 10,0 1,4 4,9
Finance incomes and expenses and share of loss of
loss of associated companies -161 -222 -430 -805 -1 187
Profit before taxes *)
6 122
6 063 7 800 160 2 063
% of turnover 11,1 10,3 9,5 0,2 3,1
Income taxes 1 772 1 697 2 075 -201 634
Profit for the year 4 350 4 366 5 725 361 1 429
Balance sheet
Assets
Non current assets 20 981 21 946 40 540 40 443 37 196
Inventories 7 455 7 015 10 611 12 660 11 452
Cash and cash equivalents 5 829 4 141 4 913 3 765 11 705
Other current assets 7 657 7 487 10 444 5 926 5 742
Equity and liabilities
Equity 23 166 25 517 30 711 27 571 27 242
Interest bearing liabilities 8 647 3 347 17 463 21 612 26 725
Non-interest bearing liabilities 10 109 11 724 18 334 13 611 12 128
Balance sheet total 41 922 40 588 66 508 62 794 66 095

*) The comparable profit before taxes for 2004 is EUR 5.0 million. The difference is due to the non-recurring reduction of the disability pension obligation, amounting to 1.2 million, in 2004 due to the change in pension system under the Employees' Pension Act.

Financial Ratios 2004 - 2008

2004 2005 2006 2007 2008
IFRS IFRS IFRS IFRS IFRS
Return on equity, % 18,7 17,9 20,4 1,2 5,2
Return on investments, % 20,3 20,7 21,7 2,5 6,8
Solvency ratio, % 55,3 63,0 46,2 43,9 41,2
Net indebtness ratio, % 12,1 -3,1 40,9 64,7 55,1
Current ratio 1,9 1,6 1,5 1,6 2,0
Gross investments, EUR 1 000 3 937 5 150 24 118 5 267 2 925
% of turnover 7,1 8,8 29,4 7,5 4,4
Research and development costs, EUR 1 000 1 497 1 652 1 832 1 589 1 799
% of turnover 2,7 2,8 2,2 2,3 2,7
Development costs, capitalised, EUR 1 000 140 377 265 98 422
Order book, EUR million 5,4 9,2 10,4 6,9 4,9
Average personnel 513 514 664 682 526
Key indicators per share
Earnings per share, EUR 0,12 0,12 0,16 0,01 0,04
Equity per share, EUR 0,64 0,70 0,83 0,74 0,73
Dividends
Nominal dividend per share, EUR
A share 0,058 0,070 0,090 0,0450 0,0280*)
K share 0,055 0,068 0,088 0,0433 0,0263*)
Dividend per earnings, % 47,6 58,0 58,1 457,9 71,5
Effective dividend yield, %/A shares 3,6 3,4 2,6 2,9 4,2
Price/earnings ratio, EUR 13,2 17,0 22,6 160,3 16,8
Highest share price, EUR 2,05 2,25 4,05 3,75 1,88
Lowest share price, EUR 1,31 1,39 2,04 1,53 0,60
Average share price, EUR 1,69 1,79 3,18 2,69 1,28
Closing price, EUR 1,58 2,04 3,51 1,56 0,67
Market capitalization, EUR 1 000 57 552 74 308 130 375 57 945 24 837
(supposing that the market price of the K share is the same as that of the A share)
Number of shares traded, (1 000 pcs) 5 334 4 866 7 454 5 369 2 455
% of the total amount 19,8 18,1 27,0 19,4 8,9
The average issue-adjusted number of shares for the financial year (1 000 pcs) 36 426 36 426 36 785 37 144 37 128
The issue-adjusted number of outstanding shares at December 31 (1 000 pcs) 36 426 36 426 37 144 37 144 37 070
*) According to the proposal of the Board of Directors.

Calculations of Key Ratios

Key figures describing financial development
Profit for the year
Return on equity (ROE) = 100 x Average shareholders' equity during the year
Profit before income tax + interest and other finance expenses
Return on investments (ROI) = 100 x Balance sheet total - non-interest bearing liabilities (mean value of beginning and end of the year)
Shareholders' equity
Solvency ratio, % = 100 x Balance sheet total - advance payments
Interest-bearing liabilities - assets
Net indebtness ratio, % = 100 x Shareholders' equity
Key figures per share
Earnings per share = Profit for the year
Average issue-adjusted number of shares for the financial year
Equity per share = Shareholders' equity
Issue-adjusted number of shares at balance sheet date
Dividend per share = Dividend paid for the year
Issue-adjusted number of shares at balance sheet date
Dividend per earnings, % = 100 x Dividend per share
Earnings per share
Effective dividend yield = 100 x Issue-adjusted dividend per share
The closing price of A- share at balance sheet date
The closing price of A-share at balance sheet date
Price/ Earnings ratio (P/E)= Earnings per share

Parent Company Financial Statements, FAS Income Statement

EUR 1 000 Note Jan. 1 - Dec. 31, 2008 Jan. 1 - Dec. 31, 2007
Net Sales 1.1. 65 572 52 150
Increase (+) / decrease (-) in inventories
in finished goods and in work in progress -402 2 202
Production for own use 522 914
Other operating income 1.2. 1 005 2 673
Materials and services 1.3. 22 646 18 590
Personnel expenses 1.4. 22 341 22 015
Depreciation and value adjustments 1.5. 5 178 4 233
Other operating expenses 1.6. 13 307 12 666
Operating profit 3 225 435
Financial income and expenses 1.7. -1 127 -709
Profit / loss before untaxed reserves and income taxes 2 098 -274
Untaxed reserves 1.8. -177 950
Income taxes 1.9. -748 -630
Profit for the year 1 173 46

Balance Sheet

EUR 1 000 Note Dec. 31, 2008 Dec. 31, 2007
Assets
Fixed asset and other non-current investments
Intangible assets 2.1. 6 876 6 624
Goodwill 2.1. 6 713 7 459
Tangible assets 2.2. 18 227 20 632
Investments
Shares in group companies 2.3. 930 917
Group receivables 2.4. 34 34
Participating interests 2.3. 26 25
Other investments 2.5. 27 33
Fixed assets and other non-current investments, total 32 833 35 724
Current assets
Inventories 2.6. 11 286 12 209
Non-current receivables 2.7. 345 396
Deferred tax assets 2.8. 285 386
Current receivables 2.9. 5 314 5 369
Cash in hand and at banks 11 442 3 479
Total current assets 28 672 21 839
Total assets 61 505 57 563
Liabilities and shareholders' equity
Shareholders' equity
Capital stock 2.10. 6 314 6 314
Share premium fund 2.10. 7 334 7 334
Revaluation reserve 2.10. -60
Treasury shares 2.12. -78
Retained earnings 2.10. 5 851 7 458
Profit for the year 2.10. 1 173 46
Total shareholders' equity 20 535 21 153
Untaxed reserves
Accelerated depreciation 3 034 2 856
Provisions 2.13. 909 844
Liabilities
Deferred income tax liabilities 18
Non-current liabilities 2.14. 22 728 18 098
Current liabilities 2.15. 14 299 14 594
Total liabilities 37 027 32 710
Total liabilities and shareholders' equity 61 505 57 563

Cash Flow Statement

EUR 1 000 Jan. 1 - Dec. 31, 2008 Jan. 1 - Dec. 31, 2007
Cash flow from operating activities
Profit before extraordinary items 2 098 -274
Adjustments for:
Depreciation 5 178 4 233
Unrealised exchange rate gains and losses 23 4
Other non-payment-related expenses 85 12
Financial income and expenses 1 127 709
Other adjustments 3 -75
Cash flow before working capital changes 8 514 4 609
Change in net working capital:
Increase (-) / decrease (+) in current non-interest bearing receivables -104 3 182
Increase (-) / decrease (+) in inventories 923 -2 186
Increase (+) / decrease (-) in current non-interest bearing liabilities -878 -2 676
Cash generated from operations before financial items and income taxes 8 455 2 929
Interest paid and payments on other financial expenses from operations -1 078 -849
Dividends received 56 10
Interest received 168 109
Income taxes paid -532 -863
Cash flow before extraordinary items 7 069 1 336
Net cash flow from operating activities 7 069 1 336
Cash flow used in investing activities
Investments in tangible and intangible assets, gross -3 310 -6 308
Investment grants received 1 120
Proceeds from sale of tangible and intangible assets 76 118
Loans given -1 090
Acquired subsidiary companies -361
Gains on disposal of other investment 2 051
Disposals of other financial assets 4
Interest received 127
Net cash used in investing activities -3 591 -3 982
Cash flow from financing activities
Purchase of own shares -75
Short-term borrowing 1 836
Repayment of short-term loans -1 836
Long-term borrowing 11 198 6 704
Repayment of long-term loans -3 153 -3 520
Dividends paid -1 655 -3 459
Net cash flow from financing activities 4 479 1 561
Net increase (+) / decrease (-) in cash and cash equivalents 7 957 -1 085
Cash and cash equivalents at the beginning of the financial year 3 479 2 884
Effect of changes in exchange rates 6 -46
Accumulated cash and equivalents in merger 1 726
Cash and cash equivalents at the end of the financial year 11 442 3 479

Notes to the Financial Statements of the Parent Company

Accounting Policy

The financial statements have been prepared in accordance with the Finnish accounting law.

Valuation of Fixed Assets

Fixed assets have been disclosed in the balance sheet at acquisition cost net of received investment grants and depreciation according to plan. Depreciation according to plan have been calculated on straight-line method based on the economic life time of the assets as follows:

Depreciation period
Intangible rights and other long-term expenditure 5 to 10 years
Goodwill 10 years
Buildings 25 to 30 years
Constructions 5 years
Process machinery 3 to 10 years
Motor vehicles 5 to 8 years
IT equipment 3 to 5 years
Development expenditure 5 years

The acquisition cost of equipment is depreciated applying the maximum depreciation rates allowed by the corporate tax law, starting from the time of acquisition.

Quarrying areas are amortised using the unit of production method based on the amount of stone used and filling time for damping areas.

Valuation of Inventories

Inventories have been presented in accordance with the average cost principle or the net realisable value, whichever is lower. The cost value of inventories includes direct costs and their proportion of indirect manufacturing and acquisition costs.

Revenue Recognition

Net sales represents sales after the deduction of discounts, indirect taxes and exchange gains/losses on trade receivables. Revenue has been recognized at the time of the delivery of the goods. Revenue from installing and services is recognised in the period when the service is rendered.

Research and Development Cost

Research and development expenditure has mainly been recorded as annual costs when incurred. Other development costs than those relating to fireplaces have been capitalized. Costs incurred from drilling exploration in quarry areas have been capitalised for their main part and they are depreciated over their useful lives. However, drilling exploration costs are expensed when there is significant uncertainty involved in the commercial utilization of the soapstone reserves in question.

Retirement Costs

Employee pension schemes have been arranged with external pension insurance companies. Pension costs are expensed for the year when incurred. Pension schemes for personnel outside Finland follow the local practices.

Untaxed Reserves

According to the Finnish corporate tax law untaxed reserves, such as accelerated depreciation, are tax deductible only if recorded in financial statements.

Income Taxes

Income taxes include taxes corresponding to the Group companies' results for the financial period as well as the change in deferred tax liability and asset. The deferred tax liabilities and assets have been provided on temporary differences arising between the tax basis of assets and liabilities and their carrying amounts in the financial statements using tax rate and their carrying amounts in the financial statements using tax rate enacted at the balance sheet date for the following years. In the financial statements the deferred tax liabilities have been fully provided and deferred tax assets have been recognised to the extent they are probably coverable.

Dividends

The financial statements do not include the divided proposed by the Board of Directors to the annual shareholders' meeting. Dividends are recorded on the basis of the decision made by the annual general meeting.

Comparability of the result

When comparing the current year financial information with the financial information of the previous period it should be taken into account that Kermansavi Oy merged with the parent company at 31 December 2007.

Foreign Currency Items

Foreign currency balance sheet items have been valued at the average exchange rate prevailing on the balance sheet date as indicated by the European Central Bank.

Notes to the Income Statement

EUR 1 000 2008 2007 EUR 1 000 2008 2007
1.1. Net sales 1.4.3. Average number of employees during the fiscal year
1.1.1. Net sales per business area Clerical employees 151 105
Fireplaces business 55 486 44 750 Workers 370 427
Natural stone products business 7 967 7 400 Total number of employees 521 532
Utility ceramics 2119 1.5. Depreciation according to plan
Total net sales per business area 65 572 52 150 Development expenditure 9
1.1.2. Net sales per geographical area Intangible rights 21 20
Finland 34 158 21 275 Other long-term expenditure 656 712
Rest of Europe 30 175 29 612 Amortization on quarries based on the unit of production method 133 86
USA 1 239 1 263 Buildings and constructions 628 554
Total net sales per geographical area 65 572 52 150 Machinery and equipment 2 925 2 810
1.2. Other operating income Other tangible assets 30 18
Rental income 276 128 Amortisation on land areas based on unit of production method 30 33
Charges for intergroup services 271 2 245 Goodwill 746
Government grants 294 113 Depreciation according to plan in total 5 178 4 233
Proceeds from sale of fixed and other non-current investments 15 80 The company has changed its accounting policy for amortising quarries and mining rights from the straight
Other income 149 107 line method to the unit of production method. The change in the amortisation method resulted in a decrease
of amortisation amounting to EUR 284 thousand for 2007 in comparison to the amortisation method
Total other operating income 1 005 2 673 previously applied.
1.3. Materials and services 1.6. Other operating expenses
Materials and supplies (good) 1.6.1. Auditors' fees
Purchases during the fiscal year 12 230 12 176 Audit fees 36 71
Change in inventories, increase (-) / decrease (+) 521 16 Tax advice 21 11
External charges 9 895 6 398 Other fees 10 9
Total materials and services 22 646 18 590 Audit fees, total 67 91
1.4. Personnel expenses and number of employees In 2008 and 2007 the statutory audit was performed by the firm of authorized public accountants KPMG Oy
1.4.1. Personnel expenses Ab and in 2007 partly by the firm of authorized public accountants PricewaterhouseCoopers.
Salaries and wages 17 587 17 366 1.7. Financial income and expenses
Pension expenses 3 344 3 133 Dividend income from group companies 50
Other social security expenses 1 410 1 516 Dividend income from others 6 10
Total personnel expenses 22 341 22 015 Interest and finance income
1.4.2. Salaries and fees paid to Directors Interest income from group companies 19 93
Salaries and other short-term employee benefits of the Board of 416 473 Interest income from others 139 82
Directors and the Managing Director Interest expenses -1 010 -907
Other long term employee benefits 62 89 Interest expenses to group companies -49
Salaries and wages Exchange rate gains / losses -14 -42
Managing Director 210 242 Reduction in value of investments held as non-current assets -6
Members of the Board Changes in fair value of derivatives -234 70
Bishop Ambrosius 16 15 Other financial income and expenses -34 -9
Erma Juhani 24 23 Financial income and expenses in total -1 127 -709
Makkonen Eero 16 15 1.8. Untaxed reserves
Toivanen-Koivisto Maarit 16 15 Change in accelerated depreciation -177 950
Vauhkonen Heikki 16 50 1.9. Income taxes
Vauhkonen Reijo 28 27 Income taxes on ordinary operations 645 714
Virtaala Matti 90 86 Change in deferred tax liabilities / tax assets 82 -84
Transfer of income taxes to the revaluation reserve 21

Income taxes in total 748 630

Notes to the Balance Sheet

EUR 1 000 2008 2007 EUR 1 000 2008 2007
2.1. Intangible assets 2.2. Tangible assets
2.1.1. Capitalised development expenditure 2.2.1. Land
Capitalised development expenditure January 1 42 Acquisition cost January 1 1 378 1 172
Capitalised development expenditure received in merger 42 Land received in merger 3
Additions 116 Additions 2 203
Depreciation for the financial year 9 Acquisition cost December 31 1 380 1 378
Balance sheet value of capitalised development expenditure
December 31
149 42 Accumulated depreciation January 1 186 153
2.1.2. Intangible rights Amortization based on the unit of production method for the
financial year
31 33
Acquisition cost January 1 568 550 Accumulated depreciation December 31 217 186
Additions 34 18 Balance sheet value of land, December 31 1 163 1 192
Acquisition cost December 31 602 568 2.2.2. Buildings and constructions
Accumulated depreciation according to plan January 1 460 440 Acquisition cost January 1 15 167 13 280
Depreciation for the financial year 21 20 Buildings and constructions received in merger 1 589
Accumulated depreciation December 31 481 460 Additions 94 298
Balance sheet value of intangible rights, December 31 121 108 Disposals 3
2.1.3. Goodwill Acquisition cost December 31 15 258 15 167
Acquisition cost January 1 8 804 1 345 Accumulated depreciation according to plan January 1 7 046 5 864
Acquisition received in merger 7 459 Accumulated depreciation received in merger 628
Acquisition cost December 31 8 804 8 804 Depreciation for the financial year 628 554
Accumulated depreciation according to plan January 1 1 345 1 345 Accumulated depreciation December 31 7 674 7 046
Depreciation for the financial year 746 Revaluation received in merger 505 505
Accumulated depreciation December 31 2 091 1 345 Balance sheet value of buildings and constructions, December 31 8 089 8 626
Balance sheet value of goodwill, December 31 6 713 7 459 2.2.3. Machinery and equipment
The parent company's goodwill comprises merger losses. Acquisition cost January 1 46 035 38 574
2.1.4. Other long term expenditures Machinery and equipment acquired in merger 5 562
Acquisition cost January 1 17 661 13 441 Additions 1 224 2 221
Other long term expenditures received in merger 135 Disposals 252 322
Additions 930 4 085 Acquisition cost December 31 47 007 46 035
Disposals 35 Accumulated depreciation according to plan January 1 35 425 28 503
Acquisition cost December 31 18 556 17 661 Accumulated depreciation on disposals 187 279
Accumulated depreciation according to plan January 1 11 187 10 355 Accumulated depreciation received in merger 4 391
Accumulated depreciation received in merger 34 Depreciation for the financial year 2 925 2 810
Accumulated depreciation on disposals 26 Accumulated depreciation December 31 38 163 35 425
Depreciation for the financial year 789 798 Balance sheet value of machinery and equipment, December 31 8 844 10 610
Accumulated depreciation December 31 11 950 11 187
Balance sheet value of long term expenditure, December 31 6 606 6 474
Total intangible assets 13 589 14 083

The balance sheet value of other long term expenditure includes EUR 4 102 million for stone research and costs relating to the opening of new soapstone quarries and of quarries not yet taken into production use.

EUR 1 000 2008 2007 EUR 1 000 2008 2007
2.2.4. Other tangible assets 2.7. Non-current receivables
Acquisition cost January 1 281 198 Receivables for group companies
Additions 13 83 Loan receivables 310 381
Acquisition cost December 31 294 281 Prepayments and accrued income 35 15
Accumulated depreciation according to plan January 1 184 166 Total non-current receivables 345 396
Depreciation for the financial year 30 18 2.8. Deferred tax assets
Accumulated depreciation December 31 214 184 Provisions and accrued expenses 285 244
Balance sheet value of other tangible assets, December 31 80 97 Provisions and accrued expenses received in merger 142
2.2.5. Advance payments Deferred tax assets, total 285 386
Advance payments 51 37 2.9. Current receivables
Advance payments received in merger 70 Receivables form group companies
Total advance payments 51 107 Trade receivables 13 98
Total tangible assets 18 227 20 632 Receivables from participating interest undertakings
Amount of machinery and equipment included in balance sheet value 8 065 9 559 Trade receivables 1
2.3. Shares in Group Companies Ownership, Ownership, Receivables form others
% % Trade receivables 4 925 4 712
Kivia Oy, Kuhmo 100 100 Other receivables 29 66
Tulikivi U.S. Inc., USA 100 100 Other accrued income
AWL-Marmori Oy, Turku 100 100 Receivables from grants 202 85
The New Alberene Stone Company Inc., USA 100 100 Prepayments 101 123
Uuni Vertriebs GmbH, Germany 100 100 Employment pension receivable 26
OOO Tulikivi, Russia 100 100 Interest receivable 25 141
In addition to its subsidiaries, Tulikivi Corporation has a branch office Other prepayments and accrued income 18 118
in Germany, Tulikivi Oyj Niederlassung Deutschland. Receivables from other, total 5 300 5 271
Associated companies Total current receivables 5 314 5 369
Stone Pole Oy, Juuka 27 27 2.10. Shareholders' equity
Leppävirran Matkailukekus Oy, Leppävirta 33 33 Capital stock January 1 6 314 6 314
2.4. Receivables from Group companies Capital stock December 31 6 314 6 314
Capital loan, AWL-Marmori Oy 34 34 Share premium fund January 1 7 334 7 334
Receivables from Group companies, total 34 34 Share premium fund December 31 7 334 7 334
2.5. Other investments Revaluation reserve January 1
Stone Pole Oy 1 1 Revaluation reserve December 31 -60
Other 26 32 Retained earnings January 1 7 504 10 903
Total other investments 27 33 Dividend paid -1 653 -3 320
2.6. Inventories Charitable contribution -124
Raw material and consumables 5 463 5 985 Treasury shares -78
Finished products/goods 5 823 6 224 Retained earnings December 31 5 773 7 458
Total inventories 11 286 12 209 Profit for the year 1 173 46
Total shareholders' equity 20 535 21 153
2.11. Statement of distributable earnings December 31 2.15. Current liabilities
Profit for the previous years 5 773 7 458 Liabilities to group companies
Total distributable earnings 6 946 7 504 Liabilities to associates
Period Number of
shares
Consideration
transferred
(average)
Consideration
transferred
(range)
1.08. - 31.08.2008 13 334 1.344 1.31 - 1.39
1.09. - 30.09.2008 19 270 1.298 1.23 - 1.34
1.10. - 30.10.2008 5 000 1.124 0.90 - 1.23
1.11. - 30.11.2008 22 396 0.890 0.80 - 0.96
1.12. - 31.12.2008 14 000 0.654 0.65 - 0.67
Total at December 31, 2008 74 000 1.05 0.65 - 1.39
2008 2007
452 447
457 397
909 844
1 146
19 810 15 211
1 772 2 540
347
22 728 18 098
EUR 1 000 2008 2007 EUR 1 000 2008 2007
2.11. Statement of distributable earnings December 31 2.15. Current liabilities
Profit for the previous years 5 773 7 458 Liabilities to group companies
Profit for the year 1 173 46 Trade payables 338 1 271
Total distributable earnings 6 946 7 504 Liabilities to associates
2.12. Treasury shares Trade payables 39 6
During the financial year the company has acquired 74 000 own shares based on the authorization given by Liabilities to others
the Annual General Meeting on 17 April 2008. The acquisition price has been the stock exchange rate of the
share at the time of acquisition. The acquired shares represent 0.2 per cent of the share capital and 0.06 per
cent of the voting rights. The acquisition of own shares has not had any material impact on the distribution of
ownership or voting rights of the company.
During the financial year the parent company has purchased its own shares as follows:
Loans from credit institutions 4 670 2 852
Advances received 21 2
Trade payables 2 332 2 811
Consideration Consideration Other current liabilities 632 1 225
Period Number of
shares
transferred transferred Accrued liabilities
1.08. - 31.08.2008 13 334 (average)
1.344
(range)
1.31 - 1.39
Salaries, wages and social costs 4 361 4 902
1.09. - 30.09.2008 19 270 1.298 1,23 - 13,4
1.23 - 1.34
Discounts and marketing expenses 653 505
1.10. - 30.10.2008 5 000 1.124 0.90 - 1.23 External charges 402 276
1.11. - 30.11.2008 22 396 0.890 0.80 - 0.96 Interest liabilities 433 219
1.12. - 31.12.2008 14 000 0.654 0.65 - 0.67 Tax liabilities 101 39
Total at December 31, 2008 74 000 1.05 0.65 - 1.39 Other accrued liabilities 317 486
Total current liabilities 14 299 14 594
2.13. Provisions 2008 2007 2.16. Given guarantees, contingent liabilities and other commitments
Warranty provision 452 447 Loans and credit limit accounts with related mortgages and pledges
Environmental provision 457 397
Provisions, total 909 844 Loans from financial institutions and loan guarantees 18 730 15 312
2.14. Non-current liabilities Credit limit accounts 4 000 5 000
Liabilities to group companies Other long-term liabilities 2 263 3 051
Other long-term current liabilities 1 146 Real estate mortgages given 9 186 8 891
Loans from credit institutions 19 810 15 211 Company mortgages given 13 396 12 975
Installment credit 1 772 2 540 Object for purchase 2 263 3 051
Other non-current liabilities 347 Pledged leaseholds 219 219
Total non-current liabilities 22 728 18 098 Given mortgages and pledges, total 25 064 25 136
Other own liabilities for which guarantees have been given
Guarantees 420 520
Other commitments 35 680
Other own liabilities for which guarantees have been given 455 1 200
Collaterals given on behalf of group companies
Company mortgages given
30 420
Real estate mortgages given 450 745
Pledges given 35 35
Guarantees given on behalf of other own liabilities 485 1 200
EUR 1 000 2008 2007
Leasing commitments
Due during the financial year 2009 8 20
Due later 10 18
Leasing commitments, total 18 38
Leasing agreements are three to six years in duration and do not include redemption clauses.
Derivatives
Interest rate swaps , nominal value 13 027 7 354
Interest rate swaps , fair value -177 138

Contingent purchase price

During 2008 was paid the contingent consideration of EUR 0.3 million for Kivia Oy's shares included in the non-current liabilities in 2007.

Other contingent liabilities

Environmental obligations

Tulikivi Corporation's environmental obligations, their management and recognition of environmental costs

Tulikivi group has landscaping obligations based on the Mining Act and other environmental legislation, which must be met during operations and when the quarries are shut down in the future.

Actions demanded by the environmental obligations are continuously performed besides normal production processes. Handling of water, arrangements for soil and rock material stacking areas, vibration and noise measurement, dust prevention and the monitoring the measurement result belong to these tasks. The costs relating to these activities are mainly recognised in the income statement as expense. Transport of soil material to stacking areas by opening new quarries is capitalised to other long-term expenses and depreciated during the useful life of the quarry. Lining work of stacking areas is based on long-term quarrying plans, according to which surface material of new opened quarries will be used in lining work. However, the lining work cannot be done until the point when there are finished sectors in the stacking area. No provision is recognised for the lining work, because it is not estimated to increase the costs of normal quarrying work.

After a factory or a quarry is shut down, the final lining work of the stacking areas, water arrangements, establishing of check points, bringing to safety condition and planting and seeding the vegetation will take place. For that part of these costs which are estimable, a provision is recognised.

Based on the environmental authorisations, the Group has given guarantees to the effect of EUR 229 600 in total, and additional EUR 270 000 which were given after the balance sheet date.

3. Share-based payments

The terms of the share-based incentive plan

The Tulikivi Group has a share-based incentive plan for key personnel. Based on the plan the vesting periods are the years 2008, 2009 and 2010. The incentive plan is conditional. The reward from the plan for the vesting period 2008 is based on the Group´s profit after financial items and cash flow from operating activities. In accordance with the terms of the plan for the year 2008 the reward could have been at the maximum 120 000 Tulikivi Corporation Series A shares and a cash payment corresponding to the value of the shares. A maximum total of 360 000 Series A shares and cash payment corresponding the value of the shares will be paid as rewards on the basis of the entire share-based incentive plan. The grant date of the incentive plan was 18 April 2008 and the share price at the grant date was EUR 1.5. The 2008 profit/cash flow entitled to 10 per cent of the maximum reward of the incentive plan. Based on the terms of the plan Series A shares will be granted to those participating the plan, in total 9 800 shares. It is prohibited to transfer the shares within the two year restriction period. Furthermore, a key person must own at least 30 per cent of the shares earned on the basis of the plan for two years after the restriction period. The impact of the share-based rewards on the 2008 result amounted to approximately EUR 10 thousand.

4. Events following the end of the financial year

Because of the declining order inflow, the company's Board of Directors has launched a programme to improve the profitability of Tulikivi Corporation's operations and to introduce concentration measures in order to secure the company's profitability in the future. The programme is intended to achieve annual savings of approximately EUR 5 million in future years. As a result of launching the programme, the company has initiated co-determination talks with all Group personnel. The company is seeking a personnel reduction of about 120 persons. The company will also have to introduce lay-offs among its personnel during the current year. It is estimated that the programme will give rise to approximately EUR 2 million in non-recurring costs.

Shareholders and Management Ownership

10 Major shareholders according to number of shares
Shares registered in the name of a nominee are not included.
K shares A shares Proportion, %
1. Vauhkonen Reijo 2 852 500 1 334 327 11.27
2. Vauhkonen Heikki 2 957 000 46 887 8.09
3. Elo Eliisa 477 500 2 479 520 7.96
4. Virtaala Matti 1 460 000 961 300 6.52
5. Ilmarinen Mutual Pension Insurance Company 1 902 380 5.12
6. Mutanen Susanna 797 500 846 300 4.43
7. Vauhkonen Mikko 397 500 400 200 2.15
8. Paatero Ilkka 718 430 1.93
9. Nuutinen Tarja 397 500 277 040 1.82
10. Investment Fund Phoebus 608 140 1.64
10 Major shareholders according to number of votes
Shares registered in the name of a nominee are not included.
K shares A shares Proportion, %
1. Vauhkonen Reijo 2 852 500 1 334 327 24.28
2. Vauhkonen Heikki 2 957 000 46 887 24.08
3. Virtaala Matti 1 460 000 961 300 12.65
4. Mutanen Susanna 797 500 846 300 7.17
5. Elo Eliisa 477 500 2 479 520 5.90
6. Vauhkonen Mikko 397 500 400 200 3.56
7. Nuutinen Tarja 397 500 277 040 3.46
8. Ilmarinen Mutual Pension Insurance Company 1 902 380 1.55
9. Suomen Kulttuurirahasto 100 000 340 000 1.09
10. Sivonen Juha 100 000 0.81
The members of the Board and Managing Director control 7 269 500 K shares and 2 581 246 A shares representing 61.20 % of votes.
Breakdown of share ownership of December 31, 2008
Number
of shares
Shareholders
pcs
Proportion
%
Shares
pcs
Proportion
%
1 - 100 359 7.87 25 090 0.07
101 - 1000 2 159 47.34 1 211 979 3.26
1001 - 5000 1 469 32.21 3 624 196 9.75
5001 - 10000 291 6.38 2 208 639 5.95
10001 - 100000 260 5.70 6 234 806 16.79
100001 - 23 0.50 23 839 260 64.18
Total 4 561 100.00 37 143 970 100.00
On December 31, 2008 the Company's shareholders were broken
down by sector as follows:
Sector
Holding, % Votes, %
Enterprises 2.19 0.66
Financial and insurance institutions 10.24 3.09
Public organisations 5.16 1.56
Non-profit organisations 2.79 1.58
Households 79.38 93.04
Foreign 0.24 0.07

Nominee-registered shares, 2 623 118 in total (7.06 % of the capital stock), are entered under financial and insurance institutions.

Signatures to Report of the Board and Financial Statements

In Nunnanlahti February 10, 2009

Matti Virtaala Bishop Ambrosius Juhani Erma

Eero Makkonen Maarit Toivanen-Koivisto Reijo Vauhkonen

Heikki Vauhkonen Managing Director

Auditors' Report

TO THE ANNUAL GENERAL MEETING OF TULIKIVI CORPORATION

We have audited the accounting records, the financial statements, the report of the Board of Directors, and the administration of Tulikivi Corporation for the financial period 1 January – 31 December 2008. The financial statements comprise the consolidated balance sheet, income statement, cash flow statement, statement of changes in equity and notes to the consolidated financial statements, as well as the parent company's balance sheet, income statement, cash flow statement and notes to the financial statements.

THE RESPONSIBILITY OF THE BOARD OF DIRECTORS AND THE MANAGING DIRECTOR

The Board of Directors and the Managing Director are responsible for the preparation of the financial statements and the report of the Board of Directors and for the fair presentation of the consolidated financial statements in accordance with International Financial Reporting Standards (IFRS) as adopted by the EU, as well as for the fair presentation of the parent company's financial statements and the report of the Board of Directors in accordance with laws and regulations governing the preparation of the financial statements and the report of the Board of Directors in Finland. The Board of Directors is responsible for the appropriate arrangement of the control of the company's accounts and finances, and the Managing Director shall see to it that the accounts of the company are in compliance with the law and that its financial affairs have been arranged in a reliable manner.

AUDITOR'S RESPONSIBILITY

Our responsibility is to perform an audit in accordance with good auditing practice in Finland, and to express an opinion on the parent company's financial statements, on the consolidated financial statements and on the report of the Board of Directors based on our audit. Good auditing practice requires that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the financial statements and the report of the Board of Directors are free from material misstatement and whether the members of the Board of Directors and the Managing Director have complied with the Limited Liability Companies Act.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements and the report of the Board of Directors. The procedures selected depend on the auditor's judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements and the report of the Board of Directors.

The audit was performed in accordance with good auditing practice in Finland. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

OPINION ON THE CONSOLIDATED FINANCIAL STATEMENTS

In our opinion, the consolidated financial statements give a true and fair view of the financial position, financial performance, and cash flows of the group in accordance with International Financial Reporting Standards (IFRS) as adopted by the EU.

OPINION ON THE COMPANY'S FINANCIAL STATEMENTS AND THE REPORT OF THE BOARD OF DIRECTORS

In our opinion, the financial statements, together with the consolidated financial statements included therein, and the report of the Board of Directors give a true and fair view of the financial performance and financial position of the company in accordance with the laws and regulations governing the preparation of the financial statements and the report of the Board of Directors in Finland. The information in the report of the Board of Directors is consistent with the information in the financial statements.

The consolidated financial statements and the parent company's can be adopted and the members of the Board of Directors of the parent company and the Managing Director can be discharged from liability for the financial period audited by us. The proposal by the Board of Directors on how to deal with the result for the financial period is in compliance with the Limited Liability Companies Act.

In Nunnanlahti February 24, 2009 KPMG OY AB

Ari Eskelinen Authorized Public Accountant

78 FINANCIAL STATEMENTS

Contact Information

TULIKIVI CORPORATION–

FACTORIES AND OFFICES HEAD OFFICE AND JUUKA FACTORIES FI-83900 Juuka Tel. +358 207 636 000 Fax +358 207 636 130 www.tulikivi.com [email protected]

SUOMUSSALMI FACTORY

Saarikyläntie 26 FI-89920 Ruhtinansalmi Tel. +358 207 636 750 Fax +358 207 636 769

HEINÄVESI FACTORY Rasiahontie 3 FI-79700 Heinävesi Tel. +358 207 636 501 Fax +358 207 636 505

TAIVASSALO AND VINKKILÄ FACTORIES Helsingintie 108 FI-23310 Taivassalo Tel. +358 207 636 880 Fax +358 207 636 888

HELSINKI OFFICE

Bulevardi 22 FI-00120 Helsinki Tel. +358 207 636 000 Fax +358 207 636 558

ESPOO OFFICE

Lautamiehentie 1 FI-02770 Espoo Tel. +358 207 636 820 Fax +358 207 636 877

SUBSIDIARIES

KIVIA OY Kivikatu 2-4 FI-88900 Kuhmo Tel. +358 207 636 700 Fax +358 207 636 720 TULIKIVI U.S., INC. P.O. Box 7547 Charlottesville, VA 22906-7547, USA Tel. +1 800 843 3473

TULIKIVI OYJ NIEDERLASSUNG

DEUTSCHLAND Wernher-von-Braun-Str. 5 D-63263 Neu-Isenburg, Germany Tel. +49 6102 74 140 Fax +49 6102 741 414

OOO TULIKIVI

Ul. Marata 47/49 191002 St. Petersburg, Russia Tel. +990 7 8129 512 655

ASSOCIATE COMPANIES

STONE POLE OY Kuhnustantie 10 FI-83900 Juuka Tel. +358 207 636 600 Fax + 358 207 636 609

LEPPÄVIRRAN MATKAILUKESKUS OY Rasiahontie 3 FI-79700 Heinävesi Tel. +358 207 636 501 Fax +358 207 636 505

SALES EXHIBITIONS IN FINLAND

Nearest distributor on Internet site www.tulikivi.com

TULIKIVI ABROAD

BENELUX DUTRY & CO. Jagershoek 10 B-8570 Vichte Belgium Tel. +32 56 776 090 Fax +32 56 774 294

ITALY EUROTRIAS S.R.L. – GMBH Via Max Planck I-39100 Bolzano Italy Tel. +39 0 471 201 616 Fax +39 0 471 201 689

ASTRIA

NEUHAUSER-SPECKSTEIN-ÖFEN Bahnhofstrasse 54 A-4810 Gmunden Austria Tel. +43 7612 744 58 Fax +43 7612 744 584

LATVIA, LITHUANIA Baltic TK Pihlaka 1 a 11216 Tallinn Estonia Tel. +372 6555 486 Fax +372 6555 487

FRANCE

TULIKIVI OYJ 75, avenue Parmentier F-75011 Paris France Tel. +33 1 40 21 25 65 Fax +33 1 40 21 24 00

SWEDEN FI-83900 Juuka Finland

Tel. +358 207 636 000 Fax +358 207 636 120

GERMANY TULIKIVI OYJ NIEDERLASSUNG DEUTSCHLAND Wernher-von-Braun-Str. 5 D-63263 Neu-Isenburg Germany Tel. +49 6102 74 140 Fax +49 6102 741 414

SWITXERLAND ARMAKA AG Duggingerstrasse 10 CH-4153 Reinach BL Switzerland Tel. +41 61 715 9911 Fax +41 61 715 9919

USA

TULIKIVI U.S., INC. P.O. Box 7547 Charlottesville, VA 22906-7547 USA Tel. +1 800 843 3473

RUSSIA

OOO TULIKIVI Ul. Marata 47/49 191002 St. Petersburg Russia Tel. +990 7 812 911 831 30 22

ESTONIA Baltic TK

Pihlaka 1 a 11216 Tallinn Estonia Tel. +372 6555 486 Fax +372 6555 487

SLOVENIA Horizont DOM, d.o.o. Prešernova 10a 1000 Ljubljana Slovenia Tel. +386 1 251 66 00 Fax +386 1 251 88 35

Tulikivi Corporation FI-83900 Juuka, tel. +358 207 636 000, fax +358 207 636 130, www.tulikivi.com VAT-number 0350080-1, domicile Juuka

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