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Contents Sampo Group’s results Group CEO’s comment Outlook ............... Outlook for 2026 The major risks and Financial overview Third quarter 2026 in brief Financial highlights Segments .............. Private Nordic ........... Private UK ........... Nordic Commercial Nordic Industrial Net financial result and other items Financial position Group solvency Financial leverage position Ratings ............... Other developments Sale of NOBA shares Impairment loss on Changes to operating Shares and shareholders Remuneration .......... Personnel ............. Calculation of key figures Tables Statement of profit Consolidated balance sheet Statement of changes in equity Statement of cash flows Notes Accounting principles Segment information Other notes 1 Insurance service result 2 Net investment income 3 Net finance income 4 Other income 5 Financial assets 6 Insurance contract liabilities 7 Financial liabilities Interim Statement 2 for January-September 2026 ................................................................................................... 3 ................................................................................................................................................... 4 ............................................................................................................................................................ 6 ....................................................................................................................................................... 6 uncertainties for the Group in the near-term ............................................................................. 6 ......................................................................................................................................................... 8 ............................................................................................................................................ 9 for January– September 2026 ...................................................................................................... 10 ......................................................................................................................................................... 12 ................................................................................................................................................ 12 ...................................................................................................................................................... 14 .................................................................................................................................................... 15 ....................................................................................................................................................... 16 .............................................................................................................................. 17 ........................................................................................................................................................... 19 ........................................................................................................................................................ 19 ........................................................................................................................................ 19 ....................................................................................................................................................... 19 ...................................................................................................................................................... 20 ................................................................................................................................................. 20 IT-related intangible assets in Denmark ..................................................................................... 20 result and operating EPS ........................................................................................................ 20 ........................................................................................................................................... 21 .................................................................................................................................................. 21 ..................................................................................................................................................... 22 .............................................................................................................................................. 24 and other comprehensive income ............................................................................................... 27 ...................................................................................................................................... 28 ................................................................................................................................. 29 ............................................................................................................................................ 30 ............................................................................................................................................... 31 ................................................................................................................................................ 32 .......................................................................................................................................... 35 .......................................................................................................................................... 36 or expense from insurance contracts ...................................................................................... 37 ........................................................................................................................................................ 37 ...................................................................................................................................................... 38 ................................................................................................................................... 39 .................................................................................................................................................. 40 for January–September 2026

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Sampo Group’s results for January- September 2026 Q3/2026 • Like-for-like top-line growth of 6 per cent, driven by strong momentum in private and SME lines. • The underwriting result strengthened by 9 per cent on a currency adjusted basis to EUR 435 million, driven by top-line growth and a robust combined ratio of 82.6 per cent. • Operating EPS grew by 2 per cent to EUR 0.14, while the reported EPS came in at EUR 0.10, with adverse mark-to-market movements and the impairment on IT-related intangibles weighing on the result. ............................................................................................................................. “The third quarter of 2026 marked another period of durable and broad-based growth, underpinned by strengthened momentum in our three largest segments. At the same time, our margins remained at excellent levels, highlighting the quality of our growth.” Morten Thorsrud, CEO of Sampo Group ............................................................................................................................. Q1-Q3/2026 • Like-for-like top-line growth accelerated to 4 per cent, fuelled by broad-based and improved performance in the second and the third quarter. • The underwriting result increased by 7 per cent on a currency adjusted basis to EUR 1,221 million, and the combined ratio amounted to 83.3 per cent. • Operating EPS increased by 8 per cent to EUR 0.41, while the reported EPS was primarily affected by adverse market value movements. • Following the nine months’ performance, the insurance revenue outlook for 2026 has been adjusted to EUR 9.75-9.85 billion (from EUR 9.70-9.85 billion), and the underwriting result outlook has been raised to EUR 1,600-1,650 million (from EUR 1,550-1,625 million). • Solvency II coverage stood at 175 per cent, net of distribution accrual, and financial leverage amounted to 25.1 per cent. Key figures Gross written premiums 2,373 2,218 7 8,803 8,461 4 Insurance revenue, net 2,503 2,303 9 7,303 6,755 8 Underwriting result 435 392 11 1,221 1,121 9 Net financial result 69 549 -87 14 836 -98 Profit before taxes 323 866 -63 934 1,769 -47 Net profit 270 757 -64 687 1,460 -53 Operating result 365 366 — 1,096 1,031 6 Earnings per share (EUR) 0.10 0.28 -64 0.26 0.54 -52 Operating EPS (EUR) 0.14 0.14 2 0.41 0.38 8 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Risk ratio, % 57.7 58.1 -0.4 58.2 57.9 0.3 Cost ratio, % 24.9 24.9 0.1 25.0 25.5 -0.4 Combined ratio, % 82.6 83.0 -0.3 83.3 83.4 -0.1 Solvency II ratio (incl. distribution accrual), % — — — 175 172 3 EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Gross written premiums (GWP) and insurance revenue include broker revenues. Like-for-like GWP growth is calculated by using constant currency rates and it is adjusted to exclude potential technical items affecting comparability, such as portfolio transfers, changes in inception dates for large contracts, and changes in accounting methods. The figures in this report have not been audited. Interim Statement for January–September 2026 4 November 2026 3

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Group CEO’s comment Sampo’s strong third-quarter performance demonstrates the strength of our operating model, diversified profile, and ability to deliver high-quality growth. With 6 per cent like-for- like growth and a strong combined ratio of 82.6 per cent, the underwriting result strengthened by 9 per cent on a currency adjusted basis to EUR 435 million. The third quarter of 2026 marked another period of durable and broad-based growth, underpinned by strengthened momentum in our three largest segments. At the same time, our margins remained at excellent levels, highlighting the quality of our growth. Our largest segment, Private Nordic, saw improved traction and reached 6 per cent like-for-like growth, which is impressive given that the prior year comparison period was a record quarter. This was supported by robust performance across all countries and product lines, with Norway and personal insurance continuing to stand out with 7 and 12 per cent growth, respectively. It was also encouraging to see that new car sales in Sweden are showing signs of improvement. While we are not the ones to predict how the sales will develop going forward, a sustained continuation of this trend would be positive for our growth trajectory, given our market-leading position. In Private UK, we continued to deliver double-digit live customer policy growth year-on-year, bringing us very close to two key milestones: 4 million motor policies and 1 million home policies. Since expanding into the UK in 2020, our policy count base has increased by 60 per cent. Importantly, this growth has been achieved while remaining fully aligned with our margin targets. This demonstrates both our disciplined underwriting and our ability to scale our business while maintaining consistent performance across cycles. In Nordic Commercial, the pick-up in activity seen in the second quarter continued into the third, driven by strong momentum in SME. This led to almost 7 per cent like-for-like growth for the segment in the third quarter, bringing the year-to-date growth rate to over 3 per cent. Meanwhile, in Nordic Industrial we remained disciplined and delivered strong margins amid a soft pricing cycle, particularly in the large property segment. This was supported by cost- efficiency improvements and a favourable large claims outcome. Following the strong delivery throughout the first nine months of the year, we have adjusted our outlook for 2026. We now expect to reach an insurance revenue of EUR 9.75-9.85 billion (previously 9.70-9.85) and to deliver an underwriting result of EUR 1,600-1,650 million (1,550-1,625) for the full year. Switching to the broader perspective, the P&C insurance sector is evolving and becoming increasingly digital to better meet changing customer needs. This is something we have been part of shaping for more than two decades with our consistent investments in product innovation, process optimisation, and digital distribution to drive better customer outcomes. Simultaneously, the fast development in advanced technology, particularly in cars, means that assessing and pricing risks and delivering repairs, will become more complex. As a result, although the distribution landscape will be impacted by AI in the future as consumer behaviours continue to evolve, the fundamentals of insurance are and will remain unchanged. Efficiency, sophisticated pricing, and strong claims management remain paramount. Cars need to be repaired, leaking pipes need to be fixed, and broken ankles need to be treated. Distribution and large parts of the customer journey continue to become more digital, but the most important part of the claims side from a customer’s point of view, the resolution of claims remains fundamentally physical. Interim Statement for January–September 2026 Group CEO’s comment 4

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In addition, P&C insurance in the Nordics is increasingly becoming a service industry. Our customers appreciate the convenience that our products bring to their lives and the fact that when, not if, something happens, they can trust that we help a lot. In fact, we helped our customers a lot with 580,000 claims in the third quarter alone, meaning claims are often relatively small but frequent. Excelling in this area is what creates the greatest value for customers and separates high-quality insurers from the rest. With a robust Net Promoter Score ( NPS) of 60 on claims and the fact that the highest scores come from customers who just had a claim, I am proud of the work we do for our customers. This sustained focus on innovation and customer service alongside our diversified scale, extensive partnership networks, cost ratio advantage, superior underwriting strengths, and proprietary data are why I am confident that we are well-positioned to continue to navigate evolving trends successfully and leverage any potential AI deployment in distribution to continue to serve our customers how and where they want to be served. As we approach the end of our 2024-2026 strategy period, it is a good time to reflect on our past performance. While the previous strategy period was all about transformation into a pure-play P&C group and building a solid foundation, this period focused on delivering attractive and durable organic growth at high margins through sustained underwriting discipline. Since 2024, we have delivered 8 per cent top-line growth and 11 per cent underwriting result growth on average. As a result, we have achieved 9 per cent operating EPS growth on average, clearly exceeding the initial target of more than 7 per cent set at our Capital Markets Day in 2024. That said, I would like to highlight that this robust performance has not been driven by any specific decision during the strategy period. It is the result of our consistent investments in our operational capabilities, cost efficiency, and customer proposition over a much longer period. That is what has made Sampo the most resilient and modern P&C insurer in Northern Europe. I see us being well-positioned to continue building on this strong foundation and further leveraging our scale and operational pole positions in various areas to deliver superior value to our customers and, as a consequence, also substantial value to our shareholders. I am looking forward to presenting our ambitions for the next strategic period at our Investor Update on 17 November 2026. Morten Thorsrud Group CEO Interim Statement for January–September 2026 Group CEO’s comment 5

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Outlook Outlook for 2026 The first nine months of 2026 saw a favourable claims environment both in terms of severe weather and large claims. At the same time, Sampo continued to deliver robust, broad-based top-line growth. Taking these factors into consideration, Sampo has adjusted its outlook for 2026. • Group insurance revenue: EUR 9.75–9.85 billion (from EUR 9.70–9.85 billion), representing growth of 7–9 per cent year-on-year. • Group underwriting result: EUR 1,600–1,650 million (from EUR 1,550–1,625 million), representing growth of 8–11 per cent year-on-year. Any forecast of Sampo’s underwriting result is subject to estimates for weather claims, large claims, prior year development, and certain other items that may vary periodically and are out of Sampo’s control. This means that regular updates of the forecast are needed to reflect actual outcomes. Moderate deviations against normal and budgeted levels are typical on a quarterly basis, and Sampo intends to broadly reflect these in the outlook statement in its quarterly reports. In addition to the underwriting result, Sampo derives a material share of its earnings from returns on its investment portfolio and insurance finance income and expense, meaning changes in the outlook cannot be assumed to translate one-for-one into net profit. Sampo does not provide an outlook for its net financial result. The outlook for 2026 is consistent with Sampo’s 2024–2026 financial targets of delivering a combined ratio below 85 per cent annually and operating EPS growth of more than 9 per cent annually on average. The outlook is subject to uncertainty related to occurrence and estimation of the cost of P&C claims, foreign exchange rates, and competitive dynamics. Revenue forecasts, in particular, are subject to competitive conditions, which may change rapidly in some areas such as the UK motor insurance market. The revenue and underwriting profit figures in the outlook are based on currency exchange rates as of the latest reporting date. A full explanation of the alternative performance metrics used in the Outlook can be found in the section Calculation of key figures. The major risks and uncertainties for the Group in the near-term In its current day-to-day business activities Sampo Group is exposed to various risks and uncertainties, mainly through its major business units. Major risks affecting the Group companies’ profitability and its variation are market, credit, insurance, and operational risks. At the Group level, sources of risks are the same, although they are not directly additive due to the effects of diversification. Uncertainties in the form of major unforeseen events may have an immediate impact on the Group’s profitability. The identification of unforeseen events is easier than the estimation of their probabilities, timing, and potential outcomes. Macroeconomic and financial market developments affect Sampo Group primarily through the market risk exposures it carries via its insurance company investment portfolios and insurance liabilities. Over time, adverse macroeconomic effects could also have an impact on Sampo’s operational business, for example, by reducing economic growth or increasing claims costs. The global economy has held up remarkably well despite the war in the Middle East and continuing trade disputes, helped by high investments in artificial intelligence and adjustments in energy supply. However, growth in demand driven by the AI investment boom and a further escalation in conflicts could increase inflationary pressures. In addition to the direct effects of these factors, domestic price pressures may subsequently intensify through the labour markets via second-round effects. This in turn creates uncertainty on the future path for interest rates. At the same time, the enthusiasm for artificial intelligence has lifted equity market valuations. Any worsening of geopolitical tensions or weaker expected gains from new technologies may lead to both a significant slowdown in economic growth and a deterioration in the debt service capacity of businesses, households, and governments, raising the risk of abrupt asset repricing in financial markets. These developments are currently causing significant uncertainties in Interim Statement for January–September 2026 Outlook 6

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economic and capital market development. Concurrently, rapidly evolving hybrid threats create new challenges for states and businesses. There are also a number of widely identified macroeconomic, political, and other sources of uncertainty which can, in various ways, affect the financial services industry in a negative manner. Sampo Group has limited direct exposure in the Persian Gulf. The biggest risk from the tensions in the Middle East to the Group relates to the second order capital markets and the macroeconomic effects outlined above. Other sources of uncertainty are unforeseen structural changes in the business environment and already identified trends and potential wide-impact events, sometimes driven also by regulatory uncertainty. These external drivers may have a long-term impact on how Sampo Group’s business will be conducted. Examples of identified trends are demographic changes, climate change, and technological developments in areas such as artificial intelligence and digitalisation including threats posed by cybercrime. Interim Statement for January–September 2026 Outlook 7

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Financial overview 7–9/2026 7–9/2025 1–9/2026 1–9/2025 2025 Gross written premiums (incl. brokerage) EURm 2,373 2,218 8,803 8,461 10,738 Insurance revenue (incl. brokerage), net EURm 2,503 2,303 7,303 6,755 9,078 Claims incurred, net EURm -1,444 -1,338 -4,253 -3,913 -5,290 Operating expenses and claims handling costs EURm -624 -573 -1,829 -1,721 -2,302 Underwriting result EURm 435 392 1,221 1,121 1,485 Net investment income EURm -63 554 21 927 1,285 Net insurance finance income or expense EURm 132 -5 -7 -91 -74 Net financial result EURm 69 549 14 836 1,210 Other items EURm -181 -75 -301 -188 -259 Profit before taxes EURm 323 866 934 1,769 2,436 Net profit EURm 270 757 687 1,460 1,998 Key figures Earnings per share EUR 0.10 0.28 0.26 0.54 0.74 Operating EPS EUR 0.14 0.14 0.41 0.38 0.50 Risk ratio % 57.7 58.1 58.2 57.9 58.3 Cost ratio % 24.9 24.9 25.0 25.5 25.4 Combined ratio % 82.6 83.0 83.3 83.4 83.6 Nordic operating cost ratio % 21.9 22.0 22.4 22.5 22.6 Like-for-like GWP growth % 6 7 4 8 8 Solvency II ratio (incl. distribution accrual) % — — 175 172 174 Financial leverage % — — 25.1 24.5 23.6 Return on equity own funds % — — 33.4 34.0 32.3 Number of shares (end of reporting period) Millions — — 2,618 2,678 2,662 Average number of shares Millions — — 2,646 2,687 2,685 Nordic underlying development Risk ratio % 59.2 59.9 59.8 59.9 59.8 -Large claims % -0.3 -0.3 -0.8 -1.0 -1.1 -Severe weather % 0.0 0.0 0.4 -0.3 0.4 -Prior year development, risk adjustment and other technical effects % 1.0 0.5 0.3 0.4 -0.1 -Discounting effect, current year % -4.0 -3.0 -3.3 -2.9 -2.9 Underlying risk ratio % 62.5 62.8 63.3 63.6 63.5 Segments Private Nordic Insurance revenue, net EURm 1,099 1,014 3,230 2,968 3,995 Underwriting result EURm 225 196 602 533 715 Combined ratio % 79.5 80.7 81.3 82.0 82.1 Private UK Insurance revenue (incl. brokerage), net EURm 562 518 1,621 1,487 2,000 Underwriting result EURm 59 63 170 175 216 Combined ratio % 89.4 87.9 89.5 88.3 89.2 Live customer policies Millions — — 4.9 4.4 4.5 Nordic Commercial Insurance revenue, net EURm 599 554 1,755 1,640 2,201 Underwriting result EURm 107 95 298 279 376 Combined ratio % 82.1 82.9 83.0 83.0 82.9 Nordic Industrial Insurance revenue, net EURm 168 141 481 439 584 Underwriting result EURm 24 20 88 80 109 Combined ratio % 85.6 86.1 81.8 81.8 81.3 Interim Statement for January–September 2026 Financial overview 8

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Third quarter 2026 in brief Improved growth momentum, particularly in Nordic SME lines, and strong underwriting margins across the segments drove 9 per cent increase in the underwriting result on a currency-adjusted basis. Operating EPS grew by 2 per cent as the increase in the underwriting result was largely offset by realised gains being lower than in the prior year comparison period. GWP, including brokerage income, increased by 5.9 per cent year-on-year on a like-for-like basis. On a reported basis, GWP increased by 7.0 per cent to EUR 2,373 million (2,218). Insurance revenue, including brokerage income, increased by 8.7 per cent to EUR 2,503 million (2,303). Private Nordic saw accelerating like-for-like top-line growth to 5.6 per cent from 4.8 per cent from the second quarter. This was driven by broad-based growth across all Nordic countries and continued momentum in key product lines, with personal insurance increasing by 12 per cent, private property by 6 per cent and motor by 3 per cent. A solid uptick in Nordic new car sales did not yet translate into meaningful tailwind during the period, reflecting a lag between sales and premiums. Private UK maintained positive momentum with 7.0 per cent top-line growth, driven by solid volume growth in carefully targeted segments. Live customer policies (LCP) increased to 4.9 million, up 13 per cent year-on-year and 3 per cent since the end of June. Combined ratio for Private UK remained within targeted range at 89.4 despite being affected by increase in subsidence and fire claims in home insurance due to dry and hot summer. In Nordic Commercial, top-line growth remained in the high single digits. Like-for-like GWP increased by 6.7 per cent, propelled by robust momentum in SME lines. The SME portfolio saw growth of 9 per cent, up from 5 per cent in the first half of 2026, driven by increased sales. Meanwhile, Nordic Industrial reported like-for-like GWP growth of 2.6 per cent in the quarter, supported by new project sales and continued momentum in personal insurance. At the same time, Nordic Industrial continued to deliver solid margins in a softer pricing cycle in the large property segment. Weather conditions in the Nordics were broadly benign during the third quarter, with no major weather-related events affecting results, supporting a favourable claims development. Meanwhile, large the large claims outcome came in better than budged, having a positive effect of 0.3 percentage points on the Nordic risk ratio. The large claims deviation includes claims of approximately EUR 15 million from the residential fire in Drammen, Norway in mid- July. At the same time, the underlying trend remained positive with a 0.3 percentage point year-on-year improvement in the Nordic underlying risk ratio, while the Nordic operating cost ratio improved by 0.1 percentage points. In the UK, underwriting margins continued to be affected by the softer pricing environment but remained in line with target levels. The underwriting result increased by 9 per cent on a currency adjusted basis and by 11 per cent on a reported basis to EUR 435 million (392), supported by top-line growth and a robust combined ratio of 82.6 per cent (83.0). Net financial result amounted to EUR 69 million (549) as net investment income was weighed down by adverse mark-to- market movements in the fixed income portfolio, reflecting a sharp rise in bond yields. Operating EPS grew by 2 per cent to EUR 0.14 (0.14) on the back of higher underwriting result and the positive impact from buybacks. This was partly offset by realised investment gains being lower than in the prior year comparison period. Reported EPS came in at EUR 0.10 (0.28), driven by adverse short-term mark-to-market movements in the investment portfolio and the impairment of EUR 118 million before tax on intangible assets related to IT systems in Denmark, including related VAT charges. The comparison figure included a net gain of EUR 355 million from the IPO of NOBA in September 2025. Interim Statement for January–September 2026 Third quarter 2026 in brief 9

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Financial highlights for January– September 2026 Sampo Group continued to deliver solid financial results in January-September 2026, underpinned by positive growth momentum across private and SME lines and strong underwriting performance in a largely benign claims environment. The underwriting result increased by 7 per cent on a currency-adjusted basis, driving an operating EPS growth of 8 per cent. Gross written premiums (GWP), including brokerage income, increased by 4 per cent both on like-for-like and reported basis to EUR 8,803 million (8,461). Insurance revenue, including brokerage income, came in at EUR 7,303 million (6,755), representing 8 per cent growth. Top-line development continued to be driven by growth in private business lines in both the Nordics and the UK. Private Nordic delivered like-for-like GWP growth of 5.4 per cent, supported by strong new sales and high retention at the operational ambition level of 89 per cent, resulting in growth in both number of customers and insured objects. Personal insurance continued to stand out as the fastest growing product line, delivering GWP growth of 10 per cent on the back of strong structural demand for complementary health insurance. Private property grew by 5 per cent and motor by 4 per cent, while digital sales maintained strong momentum with double-digit growth. Private UK continued to capture growth opportunities across carefully selected motor and home segments, delivering like-for-like GWP growth of 5.3 per cent. This was driven by higher volumes across renewals and new business. During the first nine months of 2026, UK motor insurance prices were broadly stable, although the pricing environment remained on the softer side, and customer switching volumes continued to be low . Nordic Commercial reported like-for-like GWP growth of 3.1 per cent, supported by continued positive development in SME across all Nordic countries. In total, SME grew by 5 per cent in January-September, with accelerating momentum over the course of the period, driven by increasing sales and growing customer numbers. Price competition remained intense among larger corporate customers, affecting the operating environment in Nordic Industrial. The segment reported a like-for-like GWP decline of -0.4 per cent, reflecting soft pricing while volumes were broadly stable. The Group combined ratio improved and came in at 83.3 per cent (83.4), reflecting a slightly higher risk ratio of 58.2 per cent (57.9) and an improved cost ratio of 25.0 per cent (25.5). In the Nordics, weather conditions were broadly in line with seasonal norms, contributing to a still favourable but more typical claims environment, following particularly benign weather conditions in the prior-year period. In total, severe weather had a 0.4 percentage point negative effect on the Nordic risk ratio, whereas the comparison period saw a positive effect of 0.3 percentage points. Large claims came in better than budget and had a positive effect of 0.8 percentage points, compared to a positive effect of 1.0 percentage points in the comparison period. Underlying trends remained positive with a 0.3 percentage point improvement in the Nordic underlying risk ratio. The Nordic operating cost ratio improved by 0.2 percentage points to 22.4 per cent, supported by continued efficiency gains despite investments in growth as well as digital development and AI capabilities which are expensed rather than capitalised. The Topdanmark integration is progressing well. By the end of September 2026, EUR 92 million of the targeted EUR 140 million in run-rate synergies for 2028 had been realised. The underwriting result increased by 9 per cent on a reported basis to EUR 1,221 million (1,121), driven by top-line growth, strong underwriting margins and positive underlying trends. On a currency-adjusted basis, growth was 7 per cent. Following the nine months performance, the insurance revenue outlook for 2026 has been adjusted to EUR 9.75-9.85 billion (from EUR 9.70-9.85 billion), and the underwriting result outlook has been raised to EUR 1,600-1,650 million (from EUR 1,550-1,625 million). Interim Statement for January–September 2026 Financial highlights 10

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The net financial result declined to EUR 14 million (836), driven by net investment income decreasing to EUR 21 million (927) as the interest and dividend income was largely offset by adverse mark-to-market movements in the Group’s fixed income portfolio and legacy investments in NOBA and Nexi. The insurance finance income or expense was EUR -7 million (-91). Operating EPS strengthened by 8 per cent to EUR 0.41 (0.38), supported by higher underwriting result. The reported EPS declined to EUR 0.26 (0.54) affected by adverse marked value movements and the EUR 118 million before tax impairment loss related to IT systems in Denmark, including related VAT charges, which was excluded from operating EPS. The Group Solvency II coverage, net of distribution accrual, stood at 175 per cent at the end of September 2026, slightly up from 174 per cent at the end of the second quarter. The financial leverage amounted to 25.1 per cent, down from 25.9 per cent at the end of the second quarter. Sampo targets a solvency ratio of 150–190 per cent and a financial leverage of below 30 per cent. Interim Statement for January–September 2026 Financial highlights 11

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Segments Private Nordic Sampo operates in the Nordic private insurance market through a number of brands including If, Topdanmark, Volvia, and other white-label partnerships. Its business model is based on high customer satisfaction and leveraging the benefits from digital sales and service capabilities. In total, the Group serves around 3.8 million households in Sweden, Denmark, Norway, and Finland. EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Gross written premiums 1,077 1,011 6 3,416 3,192 7 Insurance revenue, net 1,099 1,014 8 3,230 2,968 9 Claims incurred, net -642 -610 5 -1,936 -1,802 7 Operating expense (incl. claims handling costs) -232 -209 11 -692 -633 9 Underwriting result 225 196 15 602 533 13 Key ratios 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Like-for-like GWP growth, % 5.6 9.5 -3.9 5.4 8.9 -3.5 Risk ratio, % 58.4 60.1 -1.8 59.9 60.7 -0.8 Cost ratio, % 21.1 20.6 0.5 21.4 21.3 0.1 Combined ratio, % 79.5 80.7 -1.2 81.3 82.0 -0.7 All key figures in the table above are calculated on a net basis. Education and development costs are included in the cost ratio. Premium development In January–September 2026, Private Nordic delivered like-for-like GWP growth of 5.4 per cent. Growth was supported by higher object sales and an increase in customer numbers, while retention remained stable. By product line, the positive GWP development was supported by solid performance across key target areas, with personal insurance growing by 10 per cent, private property by 5 per cent, and motor by 4 per cent. All Nordic countries reported positive GWP growth during the period with Norway continuing to stand out, delivering GWP growth of 10 per cent. Nordic new car sales increased by 6 per cent during the first nine months of 2026. In Sweden, where Sampo has material exposure, growth in new car sales was 4 per cent. Momentum in Private Nordic digital sales remained strong with a 12 per cent increase in the first nine months of 2026. The retention rate stood at the operational ambition level of 89 per cent, supporting growth in the customer base. In the third quarter, Private Nordic reported like-for-like GWP growth of 5.6 per cent, driven by broad-based growth across all Nordic countries and strong momentum in the main product lines. Underwriting performance The underwriting result for Private Nordic increased by 13 per cent to EUR 602 million (533) in the first nine months of 2026, while the combined ratio improved to 81.3 per cent (82.0). The risk ratio improved to 59.9 per cent (60.7), supported by benign weather conditions and lower claims frequency. During January-September 2026, weather conditions were broadly in line with seasonal norms across the Nordic region. Despite the impact of Storm Dave in the second quarter, overall claims development remained favourable during the period, with no major weather-related events affecting results in the third quarter. Interim Statement for January–September 2026 Segments 12

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In mid-July, a residential fire in Drammen, Norway, resulted in claims of EUR 15 million. Overall, the third quarter benefitted from lower claims frequency, partly reflecting changes in driving patterns following a period of elevated fuel prices. The cost ratio remained stable at 21.4 per cent (21.3) in the first nine months of 2026. It remains on track to support the targeted efficiency improvements at the Nordic level for the year, while allowing for continued investments in growth and to maintain momentum in digital development and AI capabilities. In the third quarter, the underwriting result for Private Nordic increased by 15 per cent to EUR 225 million (196). The combined ratio improved to 79.5 per cent (80.7), supported by a stronger risk ratio of 58.4 per cent (60.1), while the cost ratio was 21.1 per cent (20.6). Interim Statement for January–September 2026 Segments 13

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Private UK Sampo operates in the UK private insurance market through its brand Hastings, which is one of the leading digital P&C insurance providers focused on UK car, van, bike, and home insurance. The Group serves over 4 million UK customers and is specialised in price comparison distribution, advanced pricing, anti-fraud, and digital capabilities. EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Gross written premiums 828 764 8 2,328 2,243 4 Insurance revenue, net 562 518 9 1,621 1,487 9 Claims incurred, net -301 -272 11 -885 -770 15 Operating expense (incl. claims handling costs) -202 -183 10 -566 -542 4 Underwriting result 59 63 -5 170 175 -3 Key ratios 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Like-for-like GWP growth, % 7.0 7.3 -0.3 5.3 15.6 -10.3 Risk ratio, % 53.5 52.5 1.0 54.6 51.8 2.8 Cost ratio, % 35.9 35.4 0.5 34.9 36.5 -1.5 Combined ratio, % 89.4 87.9 1.5 89.5 88.3 1.3 Gross written premiums and insurance revenue include broker revenues. All key figures in the table above are calculated on a net basis. Premium development Private UK continued to deliver profitable growth, with gross written premiums and brokerage income increasing by 5.3 per cent on a like-for-like basis to EUR 2,328 million (2,243) for January-September 2026. The performance was driven by higher policy volumes, partly offset by lower average written premiums, reflecting pricing actions and product mix changes in a competitive market where prices remained broadly stable. Net insurance revenue, including brokerage income, increased for the nine-month period by 9 per cent to EUR 1,621 million (1,487), due to the earn-through of premiums from the increased policy count. In the third quarter of 2026, like-for-like topline growth came in at 7.0 per cent, driven by volume growth, while insurance revenue increased by 9 per cent to EUR 562 million (518). Live customer policies increased by 13 per cent year-on-year to 4.9 million, maintaining a double-digit growth rate in each quarter. Motor and home policies increased by 14 per cent and 9 per cent respectively compared with the same period last year. Growth was supported by both strong new business performance in carefully targeted segments and higher customer retention. Underwriting performance The underwriting result decreased by 3 per cent to EUR 170 million (175) during the first nine months of 2026. Growth in policy volumes continued to support the higher insurance revenue, partially offset by lower average premiums and increase in risk ratio as well as adverse FX movements. T h e r i s k r a t i o i n c r e a s e d b y 2 . 8 p e r c e n t a g e p o i n t s y e a r ‑ o n ‑ y e a r t o 5 4 . 6 p e r c e n t , r e f l e c t i n g l o w e r a v e r a g e p r e m i u m s a n d higher claims costs. Claims performance was adversely affected by home claims experience , particularly fire and subsidence claims following the hot and dry summer compared to the prior year period. Private UK maintained a cautious reserving approach. The cost ratio improved by 1.5 percentage points to 34.9 per cent (36.5), reflecting volume growth in earned premiums and continued operational efficiency. Continued investments in customer service infrastructure and digital capabilities supported the growing customer base while maintaining disciplined cost management and preserving customer satisfaction. In the third quarter of 2026, the underwriting result decreased by 5 per cent to EUR 59 million (63). The risk ratio amounted to 53.5 per cent (52.5), while the cost ratio came in at (35.9) per cent (35.4). Interim Statement for January–September 2026 Segments 14

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Nordic Commercial Sampo operates in the Nordic commercial insurance market through its brands If, Topdanmark, and Dansk Sundhedssikring (Oona Health) with a particular focus on SMEs. In total, the Group serves around 480,000 commercial customers in Sweden, Denmark, Norway, and Finland. EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Gross written premiums 304 282 8 2,025 1,990 2 Insurance revenue, net 599 554 8 1,755 1,640 7 Claims incurred, net -352 -326 8 -1,038 -961 8 Operating expense (incl. claims handling costs) -140 -133 5 -418 -399 5 Underwriting result 107 95 13 298 279 7 Key ratios 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Like-for-like GWP growth, % 6.7 7.8 -1.1 3.1 5.8 -2.7 Risk ratio, % 58.7 58.9 -0.2 59.2 58.6 0.6 Cost ratio, % 23.3 23.9 -0.6 23.8 24.3 -0.5 Combined ratio, % 82.1 82.9 -0.8 83.0 83.0 0.1 All key figures in the table above are calculated on a net basis. Education and development costs are included in the cost ratio. Premium development Nordic Commercial delivered like-for-like GWP growth of 3.1 per cent in the first nine months of 2026, supported by growth across all Nordic countries and lines of business. The favourable GWP development in Nordic Commercial was supported by continued strong momentum in SME, with growth of 5 per cent. Performance in SME was broad-based across all Nordic countries and supported by increased sales. The personal insurance portfolio grew by 4 per cent, reflecting positive contributions across the Nordic markets. During the period, the number of customers in Nordic Commercial increased, while the retention levels remained high and stable. Digital sales maintained positive momentum, growing by 13 per cent in January–September 2026. In the third quarter, like-for-like GWP growth reached 6.7 per cent. Growth was supported by solid performance across all countries, with particularly strong SME growth driven by increased sales. Underwriting performance In Nordic Commercial, the underwriting result increased by 7 per cent to EUR 298 million (279) in the first nine months of 2026. The combined ratio remained stable at 83.0 per cent (83.0), reflecting a risk ratio of 59.2 per cent (58.6) and an improved cost ratio of 23.8 per cent (24.3). During the first nine months of 2026, claims development was impacted by a higher level of large claims than in the prior-year period, as well as Storm Dave in the second quarter. However, large claims remained below budget both in the third quarter and on a year-to-date basis. This was partly offset by favourable underlying claims frequency development. In the third quarter, the underwriting result increased by 13 per cent to EUR 107 million (95). The combined ratio improved to 82.1 per cent (82.9), supported by a risk ratio of 58.7 per cent (58.9). The cost ratio improved to 23.3 per cent (23.9). Interim Statement for January–September 2026 Segments 15

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Nordic Industrial Sampo is the leading insurer of large corporates in the Nordics through the If brand. Corporates with turnover of more than SEK 500 million (approx. EUR 45 million), or more than 500 employees, are classified as industrial customers. In total, the segment serves around 1,200 companies. EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Gross written premiums 108 104 4 843 841 0 Insurance revenue, net 168 141 19 481 439 10 Claims incurred, net -111 -88 26 -293 -259 13 Operating expense (incl. claims handling costs) -33 -33 -1 -100 -100 — Underwriting result 24 20 23 88 80 10 Key ratios 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Like-for-like GWP growth, % 2.6 -15.2 17.8 -0.4 -4.1 3.7 Risk ratio, % 66.0 62.5 3.5 61.1 59.1 1.9 Cost ratio, % 19.6 23.5 -3.9 20.7 22.7 -2.0 Combined ratio, % 85.6 86.1 -0.4 81.8 81.8 — All key figures in the table above are calculated on a net basis. Education and development costs are included in the cost ratio. Premium development In the first nine months of 2026, Nordic Industrial recorded a like-for-like GWP decline of -0.4 per cent. Meanwhile, insurance revenue increased by 10 per cent, supported by lower reinsurance prices. GWP volumes remained broadly stable amid continued soft market conditions. Repricing levels were largely unchanged overall, with some impact on retention. The development was supported by new sales, particularly in Denmark, as well as continued momentum in personal insurance. The project insurance business also developed favourably and was above the prior-year level. Nordic Industrial reported like-for-like GWP growth of 2.6 per cent in the third quarter. Underwriting performance The underwriting result for Nordic Industrial increased by 10 per cent to EUR 88 million (80) in the first nine months of 2026 and the combined ratio remained flat at 81.8 per cent (81.8). The risk ratio stood at 61.1 per cent (59.1), while the cost ratio improved to 20.7 per cent (22.7). Despite a very large property claim reported in the third quarter, the large claims outcome remained below budget both in the quarter and on a year-to-date basis. Overall claims frequency remained low during the first nine months of the year, supporting the underlying claims development. Favourable reinsurance renewals also had a positive impact on the result. In the third quarter, the underwriting result increased by 23 per cent to EUR 24 million (20). The combined ratio improved to 85.6 per cent (86.1), with a risk ratio of 66.0 per cent (62.5). The cost ratio stood at 19.6 per cent (23.5). Interim Statement for January–September 2026 Segments 16

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Net financial result and other items EURm 7–9/2026 7–9/2025 Change, % 1–9/2026 1–9/2025 Change, % Fixed income 156 139 13 443 405 9 Equities 2 2 -2 42 25 67 Funds 12 4 208 18 20 -13 Interest and dividend income 170 144 18 502 450 12 Fixed income -253 -15 — -291 57 — Equities 28 428 -93 -215 415 — Funds 18 19 -9 60 65 -8 Net gains or losses -207 432 — -447 538 — Other items -25 -22 14 -34 -61 -44 Net investment income -63 554 — 21 927 -98 Unwind of discounting, net -75 -59 26 -216 -176 23 Changes in discount rates, net 206 65 215 209 114 84 Indexation of annuities, net 1 -11 — 1 -29 — Insurance finance income or expense 132 -5 — -7 -91 -92 Net financial result 69 549 -87 14 836 -98 Other income or expense -32 -18 83 -54 -28 93 Non-operational amortisations -125 -51 145 -178 -103 74 Finance expenses -24 -6 268 -69 -58 19 Total -181 -75 141 -301 -188 60 Key figures 7–9/2026 7–9/2025 Change 1–9/2026 1–9/2025 Change Investment return, % -0.4 3.5 -3.9 0.1 5.9 -5.8 Fixed income mark-to-market yield, % — — — 4.3 3.5 0.8 Fixed income running yield, % — — — 4.0 3.8 0.2 Fixed income duration, years — — — 2.7 2.3 0.4 The Group’s net investment income (NII) decreased to EUR 21 million (927) in January–September 2026, driven by adverse market value movements in the fixed income portfolio due to rising interest rates, particularly at the shorter end of the yield curve, as well as a net loss of EUR -210 million on NOBA (including FX hedging). In total, net losses from fixed income portfolio were EUR -291 million (57) and from equities EUR -215 million (415). In the third quarter, NII amounted to EUR -63 million (554), driven by net losses of EUR -253 million (-15) in the fixed income portfolio. Meanwhile, the investment portfolio continued to deliver solid interest and dividend income, totalling to EUR 502 million (450) for the first nine months of 2026, including a dividend of EUR 18 million received from NOBA in the second quarter, which is excluded from the operating result. In the third quarter, the interest and dividend income amounted to EUR 170 million (144). The fixed income running yield stood at 4.0 per cent at the end of September 2026, up from 3.8 per cent at the end of June 2026. At the same period, the mark-to-market yield increased by 0.8 percentage points to 4.3 per cent, driven by higher interest rates. The Group’s investment portfolio amounted to EUR 18.4 billion at the end of September 2026. Of this, 89 per cent was allocated to fixed income, 10 per cent to equities, and 1 per cent to alternative investments. At the end of September, the Group’s holdings in its legacy amounted to EUR 388 million in NOBA and EUR 99 million in Nexi, compared with EUR 455 million and EUR 82 million at the end of June. Interim Statement for January–September 2026 Net financial result and other items 17

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Insurance finance income or expense (IFIE) came in at EUR -7 million (-91) in the first nine months of 2026, driven by a positive effect of EUR 209 million (114) from changes in discount rates, while the unwind of discounting had an impact of EUR -216 million (-176). In the third quarter, IFIE amounted to EUR 132 million (-5), primarily supported by a positive effect of EUR 206 million (65) from changes in discount rates. Driven by adverse mark-to-market movements, the net financial result ended up being EUR 14 million (836) in January–September 2026. In the third quarter, the net financial result stood at EUR 69 million (549), mainly driven by lower net investment income. Interim Statement for January–September 2026 Net financial result and other items 18

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Financial position Group solvency Sampo Group’s Solvency II ratio, net of distribution accrual, amounted to 175 per cent at the end of September 2026. The ratio increased slightly from 174 per cent at the end of June 2026, mainly driven by strong operating performance, partly offset by underwriting seasonality, reserve strengthening as well as some technical effects. The sale of NOBA shares had a positive effect of 2 percentage points on the solvency ratio. The Group’s Solvency II own funds remained largely unchanged at EUR 5,794 million, compared to EUR 5,790 million at the end of June 2026. At the same period, the solvency capital requirement decreased slightly to 3,314 million from 3,327 million. Sampo targets a Solvency II ratio of 150–190 per cent. Financial leverage position Sampo Group’s financial leverage is calculated as Group financial debt divided by the sum of IFRS shareholders’ equity and financial debt. The Group targets financial leverage of below 30 per cent. The Group’s shareholders’ equity (excluding Tier 1 instruments) amounted to EUR 7,205 million at the end of September 2026, up from EUR 6,904 million at the end of June, driven by retained earnings. The Group’s financial debt remained largely unchanged at EUR 2,413 million, compared with EUR 2,409 million at the end of June 2026. As a result, the financial leverage amounted to 25.1 per cent, down from 25.9 per cent at the end of the second quarter. The financial leverage figure includes restricted Tier 1 capital as debt. More information on Sampo Group’s outstanding debt issues is available at www.sampo.com/debtfinancing . Ratings Relevant ratings for Sampo Group companies remained unchanged during the third quarter. The ratings on 30 September 2026 are presented in the table below. Rating Outlook Rating Outlook Sampo plc – Issuer Credit Rating A2 Stable A Stable If P&C Insurance Ltd – Insurance Financial Strength Rating Aa3 Stable AA- Stable If P&C Insurance Holding Ltd (publ) - Issuer Credit Rating - - A Stable Rated company Moody’s Standard & Poor’s Interim Statement for January–September 2026 Financial position 19

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Other developments Sale of NOBA shares Sampo announced on 22 September 2026 that it had sold approximately 14.7 million shares in NOBA to institutional investors through an accelerated bookbuilding process. The share sale generated approximately EUR 111 million in gross proceeds for Sampo. Following the transaction, Sampo holds around 50.1 million NOBA shares, corresponding to an ownership of 10.01 per cent of the company. Impairment loss on IT-related intangible assets in Denmark Sampo announced on 25 September 2026 that it will recognise an impairment loss and related VAT charges of approximately EUR 118 million before tax in the third quarter of 2026, following an impairment test on intangible assets related to IT systems in Denmark. The impairment test was conducted as the Topdanmark integration has progressed to a phase where the focus has been on finalising the core IT system harmonisation in Denmark. The non- cash loss is recognised in other expenses and excluded from operating EPS. Changes to operating result and operating EPS IFRS 18 Presentation and Disclosure in Financial Statements , applicable from 1 January 2027 onward, introduces operating profit as a line item in the statement of profit or loss. To avoid ambiguity in terminology, Sampo’s operating result and operating EPS will be renamed core result and core EPS, respectively. At the same time, a few changes will be made to the calculation formula of these key figures. Interest expenses on restricted Tier 1 instruments, which is recognised in equity in the IFRS accounting, will be included in the core result, as they have cash effect. Secondly, derivatives related to hedging indexation of annuities and change in interest rates will be excluded for consistent treatment of mark-to-market effects. Further, the fixed tax rate used for the core result calculation will be increased to 22 per cent from the current 21 per cent to better reflect the actual average effective tax rate. Both the renaming and the changes in the calculation formula will be applied from the beginning of 2027. The changes will have no effect on full-year 2026 figures or the expected regular distributions for the fiscal year 2026. The comparable figures for the full-year and each quarter of 2026 will be published in connection with the full-year 2026 result in February. The table below presents the key figures calculated using both the current and the new formula for January- September and the third quarter. EURm 7–9/2026 1–9/2026 Operating result 365 1,096 Core result 367 1,076 Operating EPS (EUR) 0.14 0.41 Core EPS (EUR) 0.14 0.41 Interim Statement for January–September 2026 Other developments 20

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Core result calculation formula + Profit after tax - unrealised gains/losses on investments - certain derivatives - result effect from changes in discount rates - non-operational amortisations - non-recurring items + interest expenses on RT1 instruments - adjustment on taxes (fixed tax rate of 22 per cent) core result Shares and shareholders Sampo’s EUR 350 million share buyback programme, announced on 6 May 2026, was completed during the reporting period on 24 September 2026. During the programme, Sampo repurchased approximately 37.8 million of its own A shares, corresponding to 1.42 per cent of all Sampo shares. The repurchased shares will be cancelled. At the end of September 2026, Sampo’s total share count, net of repurchased shares, amounted to 2,617,847,806 shares. Further details on the company’s share buyback programmes is available at www.sampo.com/sharebuyback . Share count development A shares of which held by the company B shares Total 2020 2,770,759,250 0 6,000,000 2,776,759,250 2021 2,770,759,250 -42,699,780 6,000,000 2,734,059,470 2022 2,581,897,560 -11,050,985 1,000,000 2,571,846,575 2023 2,507,983,760 0 1,000,000 2,508,983,760 2024 2,690,238,860 0 1,000,000 2,691,238,860 2025 2,669,754,027 -8,945,503 1,000,000 2,661,808,524 3/2026 2,654,674,826 0 1,000,000 2,655,674,826 6/2026 2,654,674,826 -15,981,793 1,000,000 2,639,693,033 9/2026 2,654,674,826 -37,827,020 1,000,000 2,617.847,806 Repurchased own shares that were not yet cancelled at the end of each reporting period have been deducted from the total share count in the table above. All figures are adjusted for the share split in February 2025. In January–September 2026, Sampo received one (1) flagging notification of change in holding pursuant to Chapter 9, Section 5 of the Securities Markets Act. The notification was received from Solidium Oy in late September, according to which its ownership of Sampo A shares and related voting rights decreased below 5 per cent of Sampo’s total shares and voting rights. The latest notifications are available at www.sampo.com/flaggings . Remuneration A total of EUR 96 million (88), including social costs, was paid as short-term incentives during January-September 2026 in Sampo Group. In the same period, a total of 27 million (60) was paid as long-term incentives. The long-term incentive schemes in force in Sampo Group had a negative result impact of EUR -1 million (-22) during January - September 2026. Information on the long-term incentive schemes of Sampo plc, including the terms and conditions of the 2020 scheme and summaries of other schemes, is available at www.sampo.com/incentives . The remuneration of the Group Executive Committee members (excluding the Group CEO) can be viewed at www.sampo.com/remuneration_executive_committee . Interim Statement for January–September 2026 Other developments 21

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Personnel Sampo Group’s average number of employees (FTE) for January–September 2026 was 15,241 (14,983 ). On 30 September 2026, the total number of employees was 15,510 (15,065). Sampo Group personnel by country United Kingdom 4,702 31 4,397 29 Denmark 2,671 18 2,829 19 Sweden 2,584 17 2,535 17 Finland 1,978 13 1,974 13 Norway 1,687 11 1,726 12 Other countries 1,618 11 1,523 10 Total 15,241 100 14,983 100 Country Average personnel (FTE) 1–9/2026 % Average personnel (FTE) 1–9/2025 % SAMPO PLC Board of Directors Interim Statement for January–September 2026 Other developments 22

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Conference call A conference call for investors and analysts will be arranged today, 4 November 2026, at 10:30 am Finnish time (8:30 am UK time). To ask questions, please join the teleconference by registering using the following link: https://events.inderes.com/sampo/q3-2026-rrowi27u4/dial-in Upon registration, you will receive phone numbers as well as a conference ID and user ID to access the conference call. If you wish to ask a question, please dial #5 on your telephone keypad to enter the queue. The conference call can also be followed live at www.sampo.com/result. A recorded version and a transcript will be available at the same address later. For more information, please contact Lars Kufall Beck, Group CFO, tel. +358 10 516 0010 Diane Michelberger, Head of Investor Relations, tel. +358 10 516 0030 Mirko Hurmerinta, Investor Relations Manager, tel. +358 10 516 0032 Media contacts, media@sampo.fi The Investor Presentation is available at www.sampo.com/result. Sampo will publish the Financial Statement Release for 2026 on 4 February 2027. Distribution: Nasdaq Helsinki Nasdaq Stockholm Nasdaq Copenhagen London Stock Exchange FIN-FSA The principal media www.sampo.com Interim Statement for January–September 2026 Further information 23

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Calculation of key figures Return on equity own funds, % + operating result (annualised) x 100 %+ Unrestricted Tier 1 Own funds (average of values 1 Jan. and the end of reporting period) Financial leverage 1 financial debt x 100 %equity (excluding Tier 1 instruments) + financial debt 1The Group’s financial leverage includes only long-term funding. Like-for-like GWP growth, % Like-for-like GWP growth is calculated by using constant currency rates and it is adjusted to exclude potential technical items affecting comparability, such as portfolio transfers, changes in inception dates for large contracts and changes in accounting methods. Insurance revenue, net + insurance revenue, gross - reinsurers' share of insurance revenue - quota share premium expense (Private UK) insurance revenue, net Underwriting result + insurance revenue, net + other income (Private UK) - claims incurred - operating expenses underwriting result Operating result + P&C operations’ (incl. Sampo plc) profit after tax - non-controlling interest in P&C operations - unrealised gains/losses on investments (excl. derivatives) in P&C operations - result effect from changes in discount rates in P&C operations - non-operational amortisations in P&C operations - non-recurring items - adjustment on taxes operating result Combined ratio, % + claims incurred + operating expenses x 100 %+ insurance revenue, net + other revenue (Private UK) Interim Statement for January–September 2026 Calculation of key figures 24

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Risk ratio, % + claims incurred – claims handling costs x 100 %insurance revenue, net Nordic underlying risk ratio, % (includes Private Nordic, Nordic Commercial, Nordic Industrial and certain minor items from Other operations) Risk ratio, % – Large claims, % – Severe weather, % – Prior year development, risk adjustment and other technical effects, % – Discounting effect, current year, % Underlying risk ratio, % Cost ratio, % + operating expenses + claims handling costs x 100 %insurance revenue, net Nordic operating cost ratio, % (includes Private Nordic, Nordic Commercial, Nordic Industrial and Other operations excluding internal reinsurance) + operating expenses + claims handling costs x 100 %insurance revenue, net Per share key figures Earnings per share profit for the financial period attributable to owners of the parent adjusted average number of shares Operating earnings per share operating result adjusted average number of shares Interim Statement for January–September 2026 Calculation of key figures 25

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Exchange rates used in reporting EURSEK Income statement (average) 10.8291 10.7922 10.6357 11.0680 11.1076 Balance sheet (at end of period) 11.3310 11.0935 10.9430 10.8215 11.0565 DKKSEK Income statement (average) 1.4582 1.4440 1.4315 1.4827 1.4882 Balance sheet (at end of period) 1.5158 1.4842 1.4643 1.4489 1.4811 NOKSEK Income statement (average) 0.9826 0.9659 0.9396 0.9444 0.9485 Balance sheet (at end of period) 1.0394 0.9808 0.9760 0.9137 0.9429 EURDKK Income statement (average) 7.4731 7.4720 7.4707 7.4635 7.4617 Balance sheet (at end of period) 7.4755 7.4744 7.4730 7.4689 7.4649 EURGBP Income statement (average) 0.8641 0.8672 0.8705 0.8569 0.8507 Balance sheet (at end of period) 0.8546 0.8618 0.8683 0.8726 0.8734 1–9/2026 1–6/2026 1–3/2026 1–12/2025 1–9/2025 Sampo applies month-to-date (MTD) method in foreign currency translations from 2026 on. The average rates in the table above are approximations of year-to-date (YTD) average rates and do not take into account relative changes in currency denominated p/l items between different reporting months. Interim Statement for January–September 2026 Calculation of key figures 26

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Statement of profit and other comprehensive income Insurance revenue 2,761 8,091 2,597 7,649 Insurance service expenses -2,171 -6,402 -2,011 -5,969 Reinsurance result -129 -398 -165 -477 Insurance service result 1 461 1,290 422 1,202 Net investment income 2 -63 21 554 927 Net finance income or expense from insurance contracts 3 132 -7 -5 -91 Insurance finance income or expense, gross 144 -19 -18 -150 Insurance finance income or expense, reinsurance -12 12 13 59 Net financial result 69 14 549 836 Other income 4 107 300 90 281 Other expenses -290 -601 -188 -492 Finance expenses -24 -69 -6 -58 Profit before taxes 323 934 866 1,769 Income taxes -53 -248 -108 -308 Net profit 270 687 757 1,460 Other comprehensive income Items reclassifiable to profit or loss Exchange differences 20 26 -29 -41 Cash flow hedges 3 6 1 -1 Total items reclassifiable to profit or loss, net of tax 24 32 -28 -42 Items not reclassifiable to profit or loss Actuarial gains and losses from defined benefit pension plans 13 10 3 14 Taxes -3 -2 -1 -3 Total items not reclassifiable to profit or loss, net of tax 10 8 3 11 Other comprehensive income total, net of tax 34 40 -26 -31 Total comprehensive income 304 727 732 1,429 Profit attributable to Owners of the parent 270 687 757 1,460 Total comprehensive income attributable to Owners of the parent 304 727 732 1,429 Earnings per share (EPS), EUR 0.10 0.26 0.28 0.54 EURm Note 7-9/2026 1-9/2026 7-9/2025 1-9/2025 Interim Statement for January–September 2026 27

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Consolidated balance sheet Assets Property, plant and equipment 309 301 Intangible assets 3,347 3,492 Investments in associates 5 5 Financial assets 5 17,828 17,154 Deferred income tax 4 2 Reinsurance contract assets 6 2,514 2,488 Other assets 973 962 Cash and cash equivalents 1,375 1,319 Total assets 26,354 25,723 Liabilities Insurance contract liabilities 6 13,916 12,760 Subordinated debts 7 1,179 1,317 Other financial liabilities 7 1,543 1,413 Deferred income tax 522 553 Other liabilities 1,550 1,589 Total liabilities 18,710 17,631 Equity Share capital 98 98 Reserves 3,531 3,531 Restricted Tier 1 notes 439 298 Retained earnings 4,307 4,927 Other components of equity -730 -762 Total equity 7,644 8,092 Total equity and liabilities 26,354 25,723 EURm Note 9/2026 12/2025 Interim Statement for January–September 2026 28

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Statement of changes in equity Equity at 1 January 2025 98 4 3,527 — 4,176 -746 0 7,059 Changes in equity Dividends — — — — -915 — — -915 Acquisition of own shares — — — — -129 — — -129 Liability for the share buy-back programme — — — — -71 — — -71 Tier 1 notes — — — 298 — — — 298 Profit for the reporting period — — — — 1,460 — — 1,460 Other comprehensive income for the period — — — — 11 -41 -1 -31 Total comprehensive income — — — — 1,471 -41 -1 1,429 Equity at 30 September 2025 98 4 3,527 298 4,533 -786 -1 7,671 Equity at 1 January 2026 98 4 3,527 298 4,927 -759 -3 8,092 Changes in equity Dividends — — — — -956 — — -956 Acquisition of own shares — — — — -350 — — -350 Tier 1 notes — — — 141 -15 — — 126 Other changes in equity — — — — 5 — — 5 Profit for the reporting period — — — — 687 — — 687 Other comprehensive income for the period — — — — 8 26 6 40 Total comprehensive income — — — — 695 26 6 727 Equity at 30 September 2026 98 4 3,527 439 4,307 -733 3 7,644 EURm Share capital Legal reserve Invested unres- tricted equity Restricted Tier 1 notes Retained earnings1 Translation of foreign operations Cash flow hedges Total 1 IAS 19 Pension benefits had a net effect of 8 million (11) on retained earnings. On 5 February 2026, Sampo plc cancelled 15,079,201 own shares acquired between 6 November 2025 and 30 January 2026. Sampo plc issued a restricted Tier 1 notes of SEK 1.5 billion (EUR 141 million) during the first quarter of 2026. The Notes bear a floating interest rate equal to 3 month STIBOR plus 1.80 per cent per annum. The first call date is 18 February 2031. The restricted Tier 1 instrument is accounted for as equity. Interim Statement for January–September 2026 29

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Statement of cash flows Operating activities Profit before tax 934 1,769 Adjustments Depreciation, amortisation & impairments 161 183 Unrealised gains and losses arising from valuation 651 -397 Realised gains and losses on investments -203 -115 Change in liabilities for insurance contracts 1,523 694 Other adjustments 408 -223 Adjustments total 2,541 141 Change (+/-) in assets of operating activities Investments1 -1,686 133 Other assets -45 -94 Total -1,731 38 Change (+/-) in liabilities of operating activities Financial liabilities -3 157 Other liabilities -3 -4 Total -6 152 Paid taxes and interests Paid taxes -282 -273 Paid interests -76 -87 Total -357 -360 Net cash from operating activities 1,381 1,740 Investing activities Investments in tangible and intangible assets 2 -117 -100 Divestments in equipment and intangible assets 17 6 Net cash used in investing activities -100 -94 Financing activities Dividends paid -956 -915 Paid interest on Tier 1 notes -18 — Acquisition of own shares -410 -129 Increase in debt securities and amounts owed to credit institutions 3 323 414 Payments of debt securities in issue 3 -141 -480 Net cash used in financing activities -1,202 -1,111 Total cash flows 79 536 Cash and cash equivalents at the beginning of reporting period 1,319 962 Effects of exchange rate changes -23 -6 Cash and cash equivalents at the end of reporting period 1,375 1,492 Net change in cash and cash equivalents 79 536 EURm 1–9/2026 1–9/2025 1 Investments include mainly financial assets. 2 The share of investments in tangible assets amounts to EUR -58 million (-52) and the share of intangibles to EUR -59 million (-48). The share of divestments in tangible assets amounts to EUR 16 million (6) and intangibles to EUR 1 million (-). 3 Changes in short-term issues and repayments of debt securities are presented as net amounts. The items of the statement of cash flows cannot be directly concluded from the balance sheets due to e.g. exchange rate differences, or acquisitions and disposals of subsidiaries when applicable . Cash and cash equivalents include cash at bank and in hand EUR 1,073 million (1,212) and short-term deposits (max 3 months) EUR 302 million (280). Interim Statement for January–September 2026 30

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Notes Accounting principles Sampo Group’s consolidated financial statements are prepared in accordance with IFRS® Accounting Standards adopted by the EU. The interim financial statements are not presented in accordance with IAS 34 Interim Financial Reporting as Sampo applies the statutes of security markets act (1278/2015), regarding the regular disclosure requirements. The same accounting principles and methods of computation are applied in this financial statement release as were applied in Sampo’s consolidated financial statements 2025. The financial statements for 2025 are available on Sampo’s website www.sampo.com/year2025 . Information presented in the Interim Statement is unaudited. Application of new or revised IFRS Accounting Standards in issue but not yet effective IFRS 18 Presentation and Disclosures in Financial Statements IFRS 18 Presentation and Disclosure in Financial Statements was published in April 2024, and it will take effect on 1 January 2027. IFRS 18 replaces IAS 1 Presentation of Financial Statements, carrying forward ma ny of the requirements in IAS 1 unchanged and complementing them with new requirements. Sampo has continued to analyse the effect of the new standard and continues with implementation work. As Sampo Group has primarily insurance operations, the Group is considered to have a main business activity of investing in assets. Income and expenses that otherwise would have been classified in the investing category will be presented in the operating category. There is no expected impact on the insurance service result, net profit for the year nor equity. As a consequence of the changed requirements for aggregation and disaggregation, some changes in the presentation of the primary financial statement s, as well as note disclosures, are expe cted. Based on the preliminary assessment, at least two management defined performance measures (MPMs) have been identified for Sampo Group : Underwriting result and Core result (previously labelled as Operating result). As IFRS 18 introduces a mandatory line item called ‘operating profit or loss’, Sampo has decided to rename operating result ‘core result’ and operating EPS ‘core EPS’. For further information on the core result, please see section Other developments. Interim Statement for January–September 2026 31

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Segment information Result by segment for nine months ended 30 September 2026 In each reporting segment, Sampo reports the key profit or loss figures from insurance revenue to the underwriting result. These key profit or loss figures are reported regularly to the management to assess the reporting segments performance. Items below the underwriting result, such as net investment income and insurance finance income or expense, are reported at the group level. EURm Private Nordic Private UK Nordic Commercial Nordic Industrial Other operations Sampo Group Insurance revenue, net (incl. brokerage) 3,230 1,621 1,755 481 217 7,303 Claims incurred, net -1,936 -885 -1,038 -293 -101 -4,253 Operating expenses (incl. claims handling costs) -692 -566 -418 -100 -53 -1,829 Underwriting result 602 170 298 88 63 1,221 Net investment income 21 Net insurance finance income or expense -7 Net financial result 14 Other income or expense -54 Non-operational amortisations -178 Finance expenses -69 Profit before taxes 934 Result by segment for nine months ended 30 September 2025 Insurance revenue, net (incl. brokerage) 2,968 1,487 1,640 439 223 6,755 Claims incurred, net -1,802 -770 -961 -259 -121 -3,913 Operating expenses (incl. claims handling costs) -633 -542 -399 -100 -47 -1,721 Underwriting result 533 175 279 80 55 1,121 Net investment income 927 Net insurance finance income or expense -91 Net financial result 836 Other income or expense -28 Non-operational amortisations -103 Finance expenses -58 Profit before taxes 1,769 EURm Private Nordic Private UK Nordic Commercial Nordic Industrial Other operations Sampo Group Interim Statement for January–September 2026 32

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Segment reconciliation Following tables present reconciliations from the segment reporting’s numbers to Sampo Group’s reported numbers. Insurance revenue, gross EURm 1-9/2026 1-9/2025 Insurance revenue, net (incl. brokerage) Private Nordic 3,230 2,968 Private UK 1,621 1,487 Nordic Commercial 1,755 1,640 Nordic Industrial 481 439 Reporting segments' total of insurance revenue, net 7,087 6,533 Intra-segment eliminations on insurance operations -32 -37 Intra-segment eliminations on reinsurance operations 32 37 Other operations 217 223 Sampo Group insurance revenue, net 7,303 6,755 Reinsurance operations and investment component 915 1,012 Other items -128 -119 Sampo Group insurance revenue, gross 8,091 7,649 Insurance service result EURm 1-9/2026 1-9/2025 Underwriting result Private Nordic 602 533 Private UK 170 175 Nordic Commercial 298 279 Nordic Industrial 88 80 Reporting segments' total of underwriting result 1,158 1,066 Intra-segment eliminations 0 0 Other operations 64 55 Sampo Group's underwriting result 1,221 1,121 Other items 69 81 Sampo Group insurance service result 1,290 1,202 Interim Statement for January–September 2026 33

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Balance sheet by segment at 30 September 2026 In each reporting segment, Sampo reports the key balance sheet figures related to the segment’s insurance operations. These key balance sheet figures are reported regularly to the chief operating decision maker for the assessment of segment operations. Other balance sheet items are not allocated between the segments when reporting to the chief operating decision maker, instead they are followed only on the Group level. EURm Private Nordic Private UK Nordic Commercial Nordic Industrial Other operations Sampo Group Reinsurance contract assets Reinsurers' share of remaining coverage -2 321 -6 48 -17 343 Reinsurers' share of claims incurred 35 1,682 207 334 -87 2,171 Reinsurance contract assets, total 32 2,003 201 381 -103 2,514 Insurance contract liabilities Liability for remaining coverage 709 779 453 348 51 2,340 Liability for incurred claims 3,345 3,430 3,100 1,537 174 11,585 Acquisition cash flow assets — — -6 -3 — -9 Insurance contract liabilities, total 4,053 4,210 3,547 1,881 225 13,916 Balance sheet by segment at 31 December 2025 EURm Private Nordic Private UK Nordic Commercial Nordic Industrial Other operations Sampo Group Reinsurance contract assets Reinsurers' share of remaining coverage -1 334 -8 17 -10 332 Reinsurers' share of claims incurred 48 1,609 260 297 -59 2,156 Reinsurance contract assets, total 47 1,943 252 314 -69 2,488 Insurance contract liabilities Liability for remaining coverage 676 668 268 226 50 1,888 Liability for incurred claims 3,126 3,092 3,047 1,436 182 10,884 Acquisition cash flow assets — — -9 -4 — -12 Insurance contract liabilities, total 3,801 3,760 3,306 1,659 233 12,760 Interim Statement for January–September 2026 34

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Other notes 1 Insurance service result Insurance revenue Gross written premiums 8,449 8,125 Change in liability for remaining coverage -584 -693 Brokerage revenue 226 217 Total insurance revenue 8,091 7,649 Insurance service expenses Expenses related to claims incurred Claims paid and benefits -4,320 -4,254 Claims handling expenses -433 -429 Change in liability for incurred claims -290 3 Change in risk adjustment -124 -164 Change in loss component -4 -5 Insurance service expenses related to claims incurred -5,171 -4,849 Operating expenses -1,232 -1,120 Total insurance service expenses -6,402 -5,969 Reinsurance result Premiums -619 -762 Claims recovered 221 285 Total reinsurance result -398 -477 Total insurance service result 1,290 1,202 EURm 1-9/2026 1-9/2025 Interim Statement for January–September 2026 35

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2 Net investment income The table includes investment income and expenses from financial assets and liabilities held by the group companies. Derivative financial instruments Interest income 8 3 Interest expense -16 -8 Net gains or losses 84 8 Derivative financial instruments, total 76 3 Financial assets at fair value through profit or loss Debt securities Interest income 414 373 Net gains or losses -291 57 Equity securities Dividend income 42 25 Net gains or losses -227 415 Funds Distributions 13 12 Interest income 5 8 Net gains or losses 60 65 Financial assets at fair value through profit or loss, total 15 956 Financial assets at amortised cost Interest Income 11 12 Expected credit losses 0 -10 Financial assets at amortised cost, total 11 1 Total income or expenses from financial assets 102 961 Other Expenses from asset management -22 -25 Other income 32 31 Other expenses -88 -35 Fee expenses -2 -5 Total other -81 -34 Total net investment income 21 927 EURm 1-9/2026 1-9/2025 More information on the expected credit losses on financial assets measured at amortised cost is presented in the note 5. Net gains and losses of equity securities include unrealised valuation loss of NOBA shares, amounting to EUR -324 million and netted by realised sales gains of EUR 114 million. Of the realised sales gains, EUR 57 million was received in Q3 2026 when Sampo sold another 14.7 million shares in NOBA. Dividend income from equity securities includes a dividend of EUR 18 million from NOBA, In the reporting period, expected credit losses related to loans and advances to customers have been transferred to other expenses from net investment income. Comparative information has not been restated. Interim Statement for January–September 2026 36

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3 Net finance income or expense from insurance contracts Insurance contracts Unwinding of discount rates -282 -238 Effect of changes in interest rates and other financial assumptions 263 88 Total finance income or expenses from insurance contracts -19 -150 Reinsurance contracts Unwinding of discount rates 65 62 Reinsurers' share of effect of changes in interest rates and other financial assumptions -53 -3 Total finance income or expenses from reinsurance contracts 12 59 Net finance result from insurance and reinsurance contracts -7 -91 EURm 1-9/2026 1-9/2025 4 Other income Other income 299 276 Income related to brokerage activities 1 5 Total other income 300 281 EURm 1-9/2026 1-9/2025 If’s other operating income includes EUR 120 million (114) income from insurance operations without a transfer of insurance risk. Such income is primarily attributable i.e. to sales commissions and services for administration and claims settlement in insurance contracts on behalf of other parties. This operating income is accounted for under IFRS 15 Revenue from Contracts with Customers. In addition, other operating income includes income from roadside assistance services provided by If’s subsidiary Viking Assistance Group AS, recognised when roadside assistance has been provided. Hastings’ operating income includes total of EUR 126 million (129) revenue recognised under IFRS 15 consisting of fees and commissions on panel providers, ancillary product income, and other retail income. Income related to brokerage activities is also accounted for under IFRS 15, if there is no insurance risk transferred to Hastings. Interim Statement for January–September 2026 37

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5 Financial assets Financial assets Derivative financial instruments 56 24 Financial assets at fair value through profit or loss Debt securities 14,653 13,867 Equity securities 1,141 1,650 Funds 1,112 982 Total financial assets at fair value through profit or loss 16,908 16,501 Financial assets measured at amortised cost Loans 122 123 Loans and advances to customers 742 506 Total financial assets measured at amortised cost 865 629 Total financial assets 17,828 17,154 EURm 9/2026 12/2025 Loans and advances to customers consists of Hastings’ loans to customers. The gross carrying amounts of the financial assets measured at amortised cost was EUR 923 million (668) and loss allowance was EUR -59 million (-39). During the reporting period, the expected credit losses recognised in the income statement was EUR -21 million and in the comparative period EUR -10 million. NOBA Group completed its initial public offering in late 2025, after which the valuation of the equity investment is based on quoted prices in active markets (fair value hierarchy level 1). Sampo sold 10.0 million shares in NOBA in February 2026 and another 14.7 million shares in September to institutional investors through accelerated bookbuilding processes. At the end of the reporting period, Sampo’s remaining NOBA stake was valued at EUR 388 million (814). Interim Statement for January–September 2026 38

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6 Insurance contract liabilities Insurance liabilities reflect the liability the Group has for its insurance undertakings, in other words, the insurance contracts underwritten. The liability consists of two parts, the liability for remaining coverage and acquisition cash flow assets as well as the liability for incurred claims. The liability for remaining coverage relates to the obligation to investigate and pay valid claims that have not yet occurred. The liability consists of the premium payments received for insurance services to be provided after the closing date, i.e. relating to the unexpired portion of the insurance coverage, and adjusted for acquisition cash flows. The liability for incurred claims relates to the obligation to investigate and pay valid claims that have occurred. The liability is designed to cover anticipated future payments for all claims incurred, including claims not yet reported. Insurance contract liability - contracts measured under PAA Liability for remaining coverage 2,340 1,888 Liability for incurred claims 11,585 10,884 Acquisition cash flow assets -9 -12 Total insurance contract liabilities 13,916 12,760 Reinsurance contract assets Assets for remaining coverage 343 332 Assets for incurred claims 2,171 2,156 Reinsurance contract assets, total 2,514 2,488 Total insurance contracts, net of reinsurance 11,402 10,272 EURm 9/2026 12/2025 Interim Statement for January–September 2026 39

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7 Financial liabilities Subordinated debt liabilities Subordinated loans 1,179 1,317 Other financial liabilities Derivative financial instruments 94 105 Financial liabilities measured at amortised cost Debt securities in issue 795 787 Amounts owed to credit institutions 654 460 Liability for the share buyback programme — 60 Total financial liabilities measured at amortised cost 1,449 1,308 Total other financial liabilities 1,543 1,413 Total financial liabilities 2,722 2,730 EURm 9/2026 12/2025 In the first quarter of 2026, If redeemed its subordinated loan of SEK 1,500 million, amounting approximately to EUR 140 million. Hastings has a revolving credit facility with a financial institution totalling EUR 176 million (115), of which EUR 129 million (55) was undrawn at the end of the reporting period . The revolving credit facility matures in December 2027. Hastings has also a securitisation facility arrangement with a financial institution to refinance the acquisition of loans totalling EUR 644 million (430), of which EUR 32 million (25) was undrawn at the end of the reporting period. The securitisation facility was increased from GBP 500 million to GBP 550 million during Q3 2026. The arrangement extends to November 2027. In addition, Hastings has an undrawn credit facility with Sampo p lc totalling EUR 88 million (86). The maturity date of the agreement is in October 2029. Interim Statement for January–September 2026 40

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Contents Sampo Group’s results for January-September 2026 ................................................................................................... 3 Group CEO’s comment ................................................................................................................................................... 4 Outlook ........................................................................................................................................................................... 6 Outlook for 2026 ....................................................................................................................................................... 6 The major risks and uncertainties for the Group in the near-term ............................................................................. 6 Financial overview ......................................................................................................................................................... 8 Third quarter 2026 in brief ............................................................................................................................................ 9 Financial highlights for January– September 2026 ...................................................................................................... 10 Segments ....................................................................................................................................................................... 12 Private Nordic ........................................................................................................................................................... 12 Private UK ................................................................................................................................................................. 14 Nordic Commercial .................................................................................................................................................... 15 Nordic Industrial ....................................................................................................................................................... 16 Net financial result and other items .............................................................................................................................. 17 Financial position ........................................................................................................................................................... 19 Group solvency ........................................................................................................................................................ 19 Financial leverage position ........................................................................................................................................ 19 Ratings ...................................................................................................................................................................... 19 Other developments ...................................................................................................................................................... 20 Sale of NOBA shares ................................................................................................................................................. 20 Impairment loss on IT-related intangible assets in Denmark ..................................................................................... 20 Changes to operating result and operating EPS ........................................................................................................ 20 Shares and shareholders ........................................................................................................................................... 21 Remuneration ............................................................................................................................................................ 21 Personnel .................................................................................................................................................................. 22 Calculation of key figures .............................................................................................................................................. 24 Tables Statement of profit and other comprehensive income ............................................................................................... 27 Consolidated balance sheet ...................................................................................................................................... 28 Statement of changes in equity ................................................................................................................................. 29 Statement of cash flows ............................................................................................................................................ 30 Notes Accounting principles ............................................................................................................................................... 31 Segment information ................................................................................................................................................ 32 Other notes 1 Insurance service result .......................................................................................................................................... 35 2 Net investment income .......................................................................................................................................... 36 3 Net finance income or expense from insurance contracts ...................................................................................... 37 4 Other income ........................................................................................................................................................ 37 5 Financial assets ...................................................................................................................................................... 38 6 Insurance contract liabilities ................................................................................................................................... 39 7 Financial liabilities .................................................................................................................................................. 40 Interim Statement for 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