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LähiTapiola

January 01, 1970

LähiTapiola (Swedish: LokalTapiola) is a Finnish finance group company providing insurance services, formed by the fusion of the Lähivakuutus and Tapiola companies.[1] LähiTapiola is a group company owned by its customers, serving private, farm, entrepreneur, corporate and community clients. The company's products and services include damage, life and retirement insurance as well as investment and savings services.[2] Services for corporate clients include services related to risk management and staff wellbeing.[2] In 2019 the company had a business result of 273.1 million euro.[3] In 2020 the company had almost 1.6 million owner customers[2] and it was the largest company in Finland to provide traffic insurance, the second largest to provide damage insurance and the fourth largest to provide life insurance.[3]

A LähiTapiola office building in Tapiola, Espoo.

History edit

Corporate background edit

The roots of the Lähivakuutus and Tapiola companies go back to the 18th and 19th centuries. The history of Lähivakuutus starts from 1770, when king Adolf Frederick of Sweden enacted a law to found fire control groups in towns. The history of Tapiola starts from 1857 when the Paloapuyhtiö group was founded.[4] Of the direct predecessor companies of Tapiola, Pohja was founded in 1909 and Aura in 1917. After the 1933 law about mutual insurance companies several local Lähivakuutus companies were founded all over Finland.[4]

Tapiola and Lähivakuutus (1928-2012) edit

Tapiola was founded on the nameday of Tapio on 18 June 1982 when the Aura and Pohja companies were merged.[4] In 1983 Lähivakuutus was chosen as the common marketing name for the group of Lähivakuutus insurance companies, used both nationally and locally.[4]

In the 2000s Tapiola decided to expand its activity to financial services. The company first founded Tapiola Omaisuudenhoito Oy and Tapiola-rahastoyhtiö Oy, which later merged into Tapiola Varainhoito Oy. Tapiola Pankki Oy started operation in 2004.[4]

In 2011 the already existing plans for a fusion between Lähivakuutus and Tapiola were opened and the agreement of the fusion was signed on 23 December. In February 2012 Tapiola and Lähivakuutus announced their merger. The supervisory boards of the companies signed the foundation contract of LähiTapiola and the fusion was accepted by the corporate meetings in May 2012. In June 2012 the new marketing name was announced as LähiTapiola.[1]

LähiTapiola's early years (2013-2014) edit

The LähiTapiola group officially started operation in 2013.[1] The first CEO of LähiTapiola was Erkki Moisander.[5] The fusion was one of the largest and arguably one of the most difficult in the economic history of Finland, as the corporate cultures of the two companies were different. The Tapiola group was a centralised, professionally led company, where the CEO at the time Asmo Kalpala had a great deal of power. The corporate culture was described as polite and including academic discussion.

On the other hand, Lähivakuutus had distributed management, where the power lay in independent insurance companies in the Finnish regions, acting in an agile and professional manner. The company led by Moisander employed a direct way of speaking. Throughout the years, there had been multiple attempts to fuse the two companies and both of them had futilely tried to merge with Fennia. The companies feared the business would turn to be led by banks, as their competitor the OP Group provided bonuses to its bank clients, which could be used in insurance payments. The fusion brought a competitive advantage in the growing competition. The birth of LähiTapiola was the responsibility of Kalpala, Moisander and the chairman of the board of Lähivakuutus, Ralf Wikström. In the negotiations, Lähivakuutus had a good position, as it did not need the fusion as much as the Tapiola Bank which had lost part of its market share. Kalpala himself was motivated by a need to go through the fusion before retiring. The board of Lähivakuutus wanted to retain the independence of its regional communities in the fusion.

In practice the fusion was equal, but it was met with much resistance to change.[6] LähiTapiola was one of the largest damage insurance providers in Finland and had a market share of 25.6%.[7]: 15  LähiTapiola was also the fourth largest provider of life insurance in Finland with a market share of 7.9%.[7]: 19 

In June the Tapiola Bank changed its name to the LähiTapiola Bank.[8] The Tapiola Bank and the S-Bank announced their fusion on 6 June 2013 as a part of a larger collaboration between the S Group and LähiTapiola. The S Group owned 75% of the new bank and LähiTapiola owned 25%.[9] Moisander managed to form a common corporate culture by treating everyone equally and through interaction and discussions. The LähiTapiola staff learned the leadership manner of Lähivakuutus based on the balance and the profit calculation, which brought profitability and cost awareness to the company. On the other hand, Tapiola brought a great deal of new business: life insurance, banking, re-insurance and internationalisation. A culture of appreciation and understanding was formed by realising the strengths of both parties.[6]

In 2014 LähiTapiola started a new strategic initiative involving a diverse and conversing management.[6] In early 2014 the LähiTapiola Central Retirement Insurance Company fused with Eläke-Fennia. The new work insurance company was named Elo.[10] In May 2014 the S-Bank and LähiTapiola merged into a new S-Bank.[11]

LähiTapiola (2015-) edit

In 2016 LähiTapiola was the second largest damage insurance company with a revenue of 1.1 billion euro, of which the life insurance company had a share of 422 million euro. The company had 1.6 million owner customers. The total sum of client funds controlled by LähiTapiola was 9.7 billion euro, and its associates included the S-Bank, Elo and Pihlajalinna. LähiTapiola employed about 3400 people.[12]

In January 2017 LähiTapiola announced it would renew its strategy by diminishing its role as an insurance company and making life support into its core function. Life support in this case means services for safety, finance and health, for example damage and life insurance, fund control and services related to health and wellbeing.[13] In June LähiTapiola and the healthcare company Mehiläinen announced they would start strategic cooperation.[14]

In May 2018 LähiTapiola raised its ownership share of Mehiläinen from 9% to 20%.[15] In October the company announced its first results from healthcare chains by the healthcare service provided by Mehiläinen. Use of remote doctors in healthcare chains of less than 500 euro provided a saving of 56 percent in costs. The company also announced it would experiment with a change in healthcare chains relating to work accidents which would encourage people to return to work when they were partially fit. After successful experience the company decided to put this model into general use. The company treated about 50 thousand work accidents per year.[16]

After Moisander retired in late 2019 Juha Koponen was chosen as his successor, and he started as the company's directory in 2020.[17][18]

In August 2020 LähiTapiola announced it would raise its ownership share of the investment fund company Seligson & Co from 40% to 100%.[19]

Organisation edit

The head office of LähiTapiola is located in Tapiola, Espoo.[20] The LähiTapiola group consists of damage and life insurance companies, companies handling investments, funding and house investments, as well as 20 regional companies. In 2020 the group had about 1.6 million owner customers, about 3400 employees and over 200 offices all over Finland.[3]

In autumn 2020, the LähiTapiola group consisted of the following national bodies in addition to the regional companies:[21]

  • LähiTapiola Vahinkovakuutus, providing all voluntary and compulsory damage insurance
  • LähiTapiola Keskinäinen Henkivakuutusyhtiö, providing life and savings insurance as well as complementary retirement insurance to private and corporate clients
  • LähiTapiola Varainhoito concentrating on investments
  • LähiTapiola Kiinteistövarainhoito providing services in house investments and housing direction
  • LähiTapiola Rahoitus specialising in funding vehicles and machinery through automobile sales companies
  • LähiTapiola Palvelut providing support and development services to other companies in the LähiTapiola group
  • LähiTapiola Vaihtoehtorahastot providing alternative funds for its housing, capital, debt capital, stock and interest funds

The parent company of the LähiTapiola group is LähiTapiola Keskinäinen Vahinkoyhtiö.[2]

The bank partner of the LähiTapiola group is the S-Bank and the retirement insurance partner is Elo.[21]

LähiTapiola regional companies edit

In autumn 2021 the LähiTapiola group had regional companies in:[21]

  • Southern Finland
  • South coast of Finland
  • Southern Ostrobothnia
  • Eastern Finland
  • Southeastern Finland
  • Kainuu
  • Middle Finland
  • Lapland
  • Loimi-Tavastia
  • Western Finland
  • Pirkanmaa
  • Ostrobothnia
  • Northern Finland
  • Helsinki Capital Regtion[22]
  • Savonia
  • Savonia-Karelia
  • Uusimaa
  • Finland Proper
  • Vellamo

LähiTapiola in Western Finland started operating in January 2021 as a merger of the former LähiTapiola regional companies in Western Finland and Satakunta.[23]

Ownership edit

LähiTapiola owns the investment company Seligson & Co[19] and is one of the owners of Mehiläinen[15] and Pihlajalinna. The LähiTapiola group also owns part of the capital of the insurance company Turva and is thus one of Turva's owners.

Awards edit

In 2019 LähiTapiola Varainhoito was awarded best provider of responsive investments for the fifth time in seven years in a survey for institution investors conducted by SFR Research.[24]

Literature edit

  • Itkonen, Uolevi: Tapiola-fuusio, Edita 2002, ISBN 951-98986-0-3
  • Henttinen, Annastiina: Vakuuttavaa yhteistyötä – Lähivakuutusryhmän historia, Central Association of Lähivakuutus 2005, ISBN 952-91-8584-7
  • Koivisto, Jukka: Tahto ratkaise, Otava 2016, depicting the difficult fusion[6]

References edit

  1. ^ a b c Fuusio ja sen vaiheet, LähiTapiola.
  2. ^ a b c d Ryhmän rakenne ja johto - LähiTapiola, LähiTapiola. Accessed on 25 September 2020.
  3. ^ a b c Lähi-Tapiolan pääjohtaja Juha Koponen odottaa viranomaiselta lupaa – "Perehdytys olisi tehty, vaikkei Fiva olisi puuttunut nimitykseen", Hämeen Sanomat. Accessed on 14 September 2020.
  4. ^ a b c d e Historia - LähiTapiola, LähiTapiola. Accessed on 22 September 2020.
  5. ^ Lähivakuutus ja Tapiola yhdistyvät, uuden ryhmän pääjohtajaksi Lähivakuutuksen Erkki Moisander, LähiTapiola 7 February 2012. Accessed on 9 February 2020.
  6. ^ a b c d Koho, Saara: Lähi-Tapiolan fuusio oli kärsimättömälle pääjohtajalle vaikea paikka: "Ensimmäisillä esimiespäivillä ei taputuksia tullut", Talouselämä. Accessed on 16 September 2020.
  7. ^ a b Vakuutusyhtiöt Suomessa 2013, Central Association of Finance 24 April 2014. Accessed on 9 June 2014.
  8. ^ Pankin nimenmuutos, LähiTapiola.
  9. ^ Pekka Ylihurula johtaa myös uutta S-Pankkia, Taloussanomat 17 June 2013. Accessed on 27 June 2013.
  10. ^ Laakso, Leena: Eläke-Fenniasta ja LähiTapiolasta tulee Elo, Kauppalehti 15 May 2013. Accessed on 27 June 2013.
  11. ^ Uusi S-Pankki aloittaa vappuna, Kauppalehti 25 November 2013. Accessed on 31 May 2014.
  12. ^ Vänskä, Harri: Palvelut edellä muutokseen: LähiTapiolasta tulee elämänturvayhtiö, Kauppalehti. Accessed on 14 September 2020.
  13. ^ Lähitapiolan pääjohtaja: Ihmiset tyytymättömiä ja vakuutusten tarve räjähdysmäisessä kasvussa, Hämeen Sanomat. Accessed on 25 September 2020.
  14. ^ Asunta, Mikko: Sairaaloita, lääkäriasemia, neuvontapalveluita - Näin vakuutus- ja terveysyritykset lähentyvät, Kauppalehti. Accessed on 14 September 2020.
  15. ^ a b Terveysjätti Mehiläinen myytiin noin 1,8 miljardin kaupassa – enemmistö kansainväliselle rahastolle, suomalaisille pienempiä osuuksia, Helsingin Sanomat 18 May 2018. Accessed on 14 September 2020.
  16. ^ Holtari, Seija: LähiTapiola pilotoi: Etälääkäri tuo hurjat säästöt – mutta elintapamuutoksista ei suomalaiselle kannata verkossa puhua, Talouselämä. Accessed on 16 September 2020.
  17. ^ Erkki Moisander jää eläkkeelle, LähiTapiolan pääjohtajaksi nousee Juha Koponen, Savon Sanomat 24 April 2019. Accessed on 9 February 2020.
  18. ^ Jurvelin, Kyösti: Finanssivalvonta siunasi lopulta LähiTapiolan Juha Koposen pääjohtajanimityksen – riittävä kokemus nyt hankittu, Kauppalehti. Accessed on 11 August 2020.
  19. ^ a b LähiTapiola aikoo ostaa loputkin varainhoitoyritys Seligson & Co:sta – Rahastojen toiminnan luvataan jatkuvan aiempaan tapaan, Kauppalehti. Accessed on 14 September 2020.
  20. ^ Yhteystietoja, LähiTapiola.
  21. ^ a b c Yhtiöt - LähiTapiola, LähiTapiola. Accessed on 16 September 2020.
  22. ^ LähiTapiola Pääkaupunkiseutu, LähiTapiola.
  23. ^ LähiTapioloiden yhdistyminen sai lopullisen sinetin – uuden yhtiön nimeksi tulee LähiTapiola Länsi-Suomi, Satakunnan Kansa. Accessed on 14 September 2020.
  24. ^ Terhemaa, Ahti: Suomen vastuullisimmalle sijoittajalle vastuullisuusluokittelut edustavat menneisyyttä, Kauppalehti. Accessed on 14 September 2020.

External links edit

  • Official site

January 01, 1970
lähitapiola, swedish, lokaltapiola, finnish, finance, group, company, providing, insurance, services, formed, fusion, lähivakuutus, tapiola, companies, group, company, owned, customers, serving, private, farm, entrepreneur, corporate, community, clients, compa. LahiTapiola Swedish LokalTapiola is a Finnish finance group company providing insurance services formed by the fusion of the Lahivakuutus and Tapiola companies 1 LahiTapiola is a group company owned by its customers serving private farm entrepreneur corporate and community clients The company s products and services include damage life and retirement insurance as well as investment and savings services 2 Services for corporate clients include services related to risk management and staff wellbeing 2 In 2019 the company had a business result of 273 1 million euro 3 In 2020 the company had almost 1 6 million owner customers 2 and it was the largest company in Finland to provide traffic insurance the second largest to provide damage insurance and the fourth largest to provide life insurance 3 A LahiTapiola office building in Tapiola Espoo Contents 1 History 1 1 Corporate background 1 2 Tapiola and Lahivakuutus 1928 2012 1 3 LahiTapiola s early years 2013 2014 1 4 LahiTapiola 2015 2 Organisation 2 1 LahiTapiola regional companies 3 Ownership 4 Awards 5 Literature 6 References 7 External linksHistory editCorporate background edit The roots of the Lahivakuutus and Tapiola companies go back to the 18th and 19th centuries The history of Lahivakuutus starts from 1770 when king Adolf Frederick of Sweden enacted a law to found fire control groups in towns The history of Tapiola starts from 1857 when the Paloapuyhtio group was founded 4 Of the direct predecessor companies of Tapiola Pohja was founded in 1909 and Aura in 1917 After the 1933 law about mutual insurance companies several local Lahivakuutus companies were founded all over Finland 4 Tapiola and Lahivakuutus 1928 2012 edit Tapiola was founded on the nameday of Tapio on 18 June 1982 when the Aura and Pohja companies were merged 4 In 1983 Lahivakuutus was chosen as the common marketing name for the group of Lahivakuutus insurance companies used both nationally and locally 4 In the 2000s Tapiola decided to expand its activity to financial services The company first founded Tapiola Omaisuudenhoito Oy and Tapiola rahastoyhtio Oy which later merged into Tapiola Varainhoito Oy Tapiola Pankki Oy started operation in 2004 4 In 2011 the already existing plans for a fusion between Lahivakuutus and Tapiola were opened and the agreement of the fusion was signed on 23 December In February 2012 Tapiola and Lahivakuutus announced their merger The supervisory boards of the companies signed the foundation contract of LahiTapiola and the fusion was accepted by the corporate meetings in May 2012 In June 2012 the new marketing name was announced as LahiTapiola 1 LahiTapiola s early years 2013 2014 edit The LahiTapiola group officially started operation in 2013 1 The first CEO of LahiTapiola was Erkki Moisander 5 The fusion was one of the largest and arguably one of the most difficult in the economic history of Finland as the corporate cultures of the two companies were different The Tapiola group was a centralised professionally led company where the CEO at the time Asmo Kalpala had a great deal of power The corporate culture was described as polite and including academic discussion On the other hand Lahivakuutus had distributed management where the power lay in independent insurance companies in the Finnish regions acting in an agile and professional manner The company led by Moisander employed a direct way of speaking Throughout the years there had been multiple attempts to fuse the two companies and both of them had futilely tried to merge with Fennia The companies feared the business would turn to be led by banks as their competitor the OP Group provided bonuses to its bank clients which could be used in insurance payments The fusion brought a competitive advantage in the growing competition The birth of LahiTapiola was the responsibility of Kalpala Moisander and the chairman of the board of Lahivakuutus Ralf Wikstrom In the negotiations Lahivakuutus had a good position as it did not need the fusion as much as the Tapiola Bank which had lost part of its market share Kalpala himself was motivated by a need to go through the fusion before retiring The board of Lahivakuutus wanted to retain the independence of its regional communities in the fusion In practice the fusion was equal but it was met with much resistance to change 6 LahiTapiola was one of the largest damage insurance providers in Finland and had a market share of 25 6 7 15 LahiTapiola was also the fourth largest provider of life insurance in Finland with a market share of 7 9 7 19 In June the Tapiola Bank changed its name to the LahiTapiola Bank 8 The Tapiola Bank and the S Bank announced their fusion on 6 June 2013 as a part of a larger collaboration between the S Group and LahiTapiola The S Group owned 75 of the new bank and LahiTapiola owned 25 9 Moisander managed to form a common corporate culture by treating everyone equally and through interaction and discussions The LahiTapiola staff learned the leadership manner of Lahivakuutus based on the balance and the profit calculation which brought profitability and cost awareness to the company On the other hand Tapiola brought a great deal of new business life insurance banking re insurance and internationalisation A culture of appreciation and understanding was formed by realising the strengths of both parties 6 In 2014 LahiTapiola started a new strategic initiative involving a diverse and conversing management 6 In early 2014 the LahiTapiola Central Retirement Insurance Company fused with Elake Fennia The new work insurance company was named Elo 10 In May 2014 the S Bank and LahiTapiola merged into a new S Bank 11 LahiTapiola 2015 edit In 2016 LahiTapiola was the second largest damage insurance company with a revenue of 1 1 billion euro of which the life insurance company had a share of 422 million euro The company had 1 6 million owner customers The total sum of client funds controlled by LahiTapiola was 9 7 billion euro and its associates included the S Bank Elo and Pihlajalinna LahiTapiola employed about 3400 people 12 In January 2017 LahiTapiola announced it would renew its strategy by diminishing its role as an insurance company and making life support into its core function Life support in this case means services for safety finance and health for example damage and life insurance fund control and services related to health and wellbeing 13 In June LahiTapiola and the healthcare company Mehilainen announced they would start strategic cooperation 14 In May 2018 LahiTapiola raised its ownership share of Mehilainen from 9 to 20 15 In October the company announced its first results from healthcare chains by the healthcare service provided by Mehilainen Use of remote doctors in healthcare chains of less than 500 euro provided a saving of 56 percent in costs The company also announced it would experiment with a change in healthcare chains relating to work accidents which would encourage people to return to work when they were partially fit After successful experience the company decided to put this model into general use The company treated about 50 thousand work accidents per year 16 After Moisander retired in late 2019 Juha Koponen was chosen as his successor and he started as the company s directory in 2020 17 18 In August 2020 LahiTapiola announced it would raise its ownership share of the investment fund company Seligson amp Co from 40 to 100 19 Organisation editThe head office of LahiTapiola is located in Tapiola Espoo 20 The LahiTapiola group consists of damage and life insurance companies companies handling investments funding and house investments as well as 20 regional companies In 2020 the group had about 1 6 million owner customers about 3400 employees and over 200 offices all over Finland 3 In autumn 2020 the LahiTapiola group consisted of the following national bodies in addition to the regional companies 21 LahiTapiola Vahinkovakuutus providing all voluntary and compulsory damage insurance LahiTapiola Keskinainen Henkivakuutusyhtio providing life and savings insurance as well as complementary retirement insurance to private and corporate clients LahiTapiola Varainhoito concentrating on investments LahiTapiola Kiinteistovarainhoito providing services in house investments and housing direction LahiTapiola Rahoitus specialising in funding vehicles and machinery through automobile sales companies LahiTapiola Palvelut providing support and development services to other companies in the LahiTapiola group LahiTapiola Vaihtoehtorahastot providing alternative funds for its housing capital debt capital stock and interest funds The parent company of the LahiTapiola group is LahiTapiola Keskinainen Vahinkoyhtio 2 The bank partner of the LahiTapiola group is the S Bank and the retirement insurance partner is Elo 21 LahiTapiola regional companies edit In autumn 2021 the LahiTapiola group had regional companies in 21 Southern Finland South coast of Finland Southern Ostrobothnia Eastern Finland Southeastern Finland Kainuu Middle Finland Lapland Loimi Tavastia Western Finland Pirkanmaa Ostrobothnia Northern Finland Helsinki Capital Regtion 22 Savonia Savonia Karelia Uusimaa Finland Proper Vellamo LahiTapiola in Western Finland started operating in January 2021 as a merger of the former LahiTapiola regional companies in Western Finland and Satakunta 23 Ownership editLahiTapiola owns the investment company Seligson amp Co 19 and is one of the owners of Mehilainen 15 and Pihlajalinna The LahiTapiola group also owns part of the capital of the insurance company Turva and is thus one of Turva s owners Awards editIn 2019 LahiTapiola Varainhoito was awarded best provider of responsive investments for the fifth time in seven years in a survey for institution investors conducted by SFR Research 24 Literature editItkonen Uolevi Tapiola fuusio Edita 2002 ISBN 951 98986 0 3 Henttinen Annastiina Vakuuttavaa yhteistyota Lahivakuutusryhman historia Central Association of Lahivakuutus 2005 ISBN 952 91 8584 7 Koivisto Jukka Tahto ratkaise Otava 2016 depicting the difficult fusion 6 References edit a b c Fuusio ja sen vaiheet LahiTapiola a b c d Ryhman rakenne ja johto LahiTapiola LahiTapiola Accessed on 25 September 2020 a b c Lahi Tapiolan paajohtaja Juha Koponen odottaa viranomaiselta lupaa Perehdytys olisi tehty vaikkei Fiva olisi puuttunut nimitykseen Hameen Sanomat Accessed on 14 September 2020 a b c d e Historia LahiTapiola LahiTapiola Accessed on 22 September 2020 Lahivakuutus ja Tapiola yhdistyvat uuden ryhman paajohtajaksi Lahivakuutuksen Erkki Moisander LahiTapiola 7 February 2012 Accessed on 9 February 2020 a b c d Koho Saara Lahi Tapiolan fuusio oli karsimattomalle paajohtajalle vaikea paikka Ensimmaisilla esimiespaivilla ei taputuksia tullut Talouselama Accessed on 16 September 2020 a b Vakuutusyhtiot Suomessa 2013 Central Association of Finance 24 April 2014 Accessed on 9 June 2014 Pankin nimenmuutos LahiTapiola Pekka Ylihurula johtaa myos uutta S Pankkia Taloussanomat 17 June 2013 Accessed on 27 June 2013 Laakso Leena Elake Fenniasta ja LahiTapiolasta tulee Elo Kauppalehti 15 May 2013 Accessed on 27 June 2013 Uusi S Pankki aloittaa vappuna Kauppalehti 25 November 2013 Accessed on 31 May 2014 Vanska Harri Palvelut edella muutokseen LahiTapiolasta tulee elamanturvayhtio Kauppalehti Accessed on 14 September 2020 Lahitapiolan paajohtaja Ihmiset tyytymattomia ja vakuutusten tarve rajahdysmaisessa kasvussa Hameen Sanomat Accessed on 25 September 2020 Asunta Mikko Sairaaloita laakariasemia neuvontapalveluita Nain vakuutus ja terveysyritykset lahentyvat Kauppalehti Accessed on 14 September 2020 a b Terveysjatti Mehilainen myytiin noin 1 8 miljardin kaupassa enemmisto kansainvaliselle rahastolle suomalaisille pienempia osuuksia Helsingin Sanomat 18 May 2018 Accessed on 14 September 2020 Holtari Seija LahiTapiola pilotoi Etalaakari tuo hurjat saastot mutta elintapamuutoksista ei suomalaiselle kannata verkossa puhua Talouselama Accessed on 16 September 2020 Erkki Moisander jaa elakkeelle LahiTapiolan paajohtajaksi nousee Juha Koponen Savon Sanomat 24 April 2019 Accessed on 9 February 2020 Jurvelin Kyosti Finanssivalvonta siunasi lopulta LahiTapiolan Juha Koposen paajohtajanimityksen riittava kokemus nyt hankittu Kauppalehti Accessed on 11 August 2020 a b LahiTapiola aikoo ostaa loputkin varainhoitoyritys Seligson amp Co sta Rahastojen toiminnan luvataan jatkuvan aiempaan tapaan Kauppalehti Accessed on 14 September 2020 Yhteystietoja LahiTapiola a b c Yhtiot LahiTapiola LahiTapiola Accessed on 16 September 2020 LahiTapiola Paakaupunkiseutu LahiTapiola LahiTapioloiden yhdistyminen sai lopullisen sinetin uuden yhtion nimeksi tulee LahiTapiola Lansi Suomi Satakunnan Kansa Accessed on 14 September 2020 Terhemaa Ahti Suomen vastuullisimmalle sijoittajalle vastuullisuusluokittelut edustavat menneisyytta Kauppalehti Accessed on 14 September 2020 External links editOfficial site Retrieved from https en wikipedia org w index php title LahiTapiola amp oldid 1192814279, wikipedia, wiki, book, books, library,

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