General Unemployment Fund YTK Updated 14 5 2019

General Unemployment Fund YTK Updated 14. 5. 2019

Why do we exist?

Security and support in the changing working life • YTK provides earning-related security to its members and encourages the members to see opportunities in changes. • The promise combines YTK’s two separate units and roles: • General Unemployment Fund YTK deals with a statutory duty and supports people financially in changing situations by paying earnings-related security. • YTK Association offers additional security and benefits, and coaches and helps people to find new directions in working life. 29. 10. 2020 4

YTK’s vision 2020 Finland deserves the best working life in the world. We build it every day.

YTK’s strategic goals YTK is the most wanted brand in the working life YTK offers an excellent customer experience Number of YTK’s members is growing rapidly • The best workplace gets the best experts • From processing the case to customer service • A satisfied member is a permanent member • Shaking and developing of structures to help Finnish working life succeed globally • New services and career development • Smart use of digitalisation and automation • Service and recognition attract new members • We also insure entrepreneurs • In addition to unemployment, we take care of employment • The personnel is proud of their workplace 29. 10. 2020 6

YTK’s strategy implements the vision Position derived from vision Security and support in the changing working life The brand promise that concretises the operating idea Opportunities in changes The Finnish working life is changing. We provide reliable security for changing situations in the working life, and help our members to take on the opportunities brought by the changes. Olemme mukana suomalaisen työelämän muutoksessa. Tarjoamme luotettavan turvan työelämän muutostilanteisiin sekä tarjoamme etuja ja autamme ihmistä löytämään uusia suuntia työelämässä ja arjessa. YTK’s customer experience is built on the following customer promises Customer promise Customer benefits Values that guide our operations We offer friendly, knowledgeable, quick and inexpensive service. Fund members receive earnings-related security, and combined members also get additional services related to working life. Our customers can choose the service channel best suited to them, from self-service to personal guidance. 29. 10. 2020 7 Change is an opportunity | Courageous debater | Your guide

130 employees in Loimaa We ensure earnings-related security for YTK members. It means that every month we are responsible for the livelihood of nearly 37, 000 YTK members by paying them earnings-related daily allowance or alternation compensation. Oma. YTK 94% of applications in electronic format 41 000 logins per week 2500 answered phone calls per week 5700 answered electronic messages per week In figures that means: 9500 applications for daily allowance per week 45+ million euros of daily allowance every month 29. 10. 2020 8

Valuable figures NSI 62 % Overall recognition of the YTK brand 88 % 29. 10. 2020 9

Jäsenen elinkareen vaiheita tukeva viestintä Uutiskirjeet Jäseneksi liittyminen • Nettisivut ytk. fi, ytk-yhdistys. fi • Opastava Iiris Chatbot • Markkinointi • Tervetuloa –viesti liittyneille Asiakassuhteen lujitus jäsenyyden aikana • Uutiskirjeet (8 -10 kpl) Ajankohtaiset uutiset, laskutusviestit, tammikuun etukooste täysjäsenille • Facebook NPS 86 Potentiaalinen jäsen Jäsen jää työttömäksi • Infoa työnhaun valmennuksesta • Ansioturvaan liittyvät uutisoinnit NPS 65 Opiskelija- jäsen Kassa jäsen Jäsen on irtisanoutumassa • ”Poistuman esto” – kontaktointi: win back -soitot • Infoava erolomake • Kiitos -viesti Täysjäsen Käännytys kassajäsenet täysjäseniksi, Opiskelijajäsenet täysjäseniksi • Kassajäsenille suunnatut uutiskirjeet, joissa täysjäsenyyden nostot • Oma. YTK –info • Puhelin/Chat/sähköposti Asiakaskokemus Työtön jäsen NPS 94 Eroava jäsen Jäsen on irtisanottu • Ennakkotieto erottamisesta • Tekstiviesti ennen lopullista erottamista • Erottamispäätös • Kysely eron syystä 29. 10. 2020 10

Number of members of YTK kassajäsenet, kesken 180, 000 166, 000 160, 000 135, 420 140, 000 120, 905 120, 000 109, 166 97, 605 100, 000 82, 082 80, 000 68, 125 56, 004 60, 000 40, 000 37, 880 72, 130 61, 099 41, 998 28, 308 20, 000 0 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 29. 10. 2020 11

Structure of the members of YTK by post code area Post code 00 -10 20 -27 90 -99 33 -39 60 -69 40 -49 80 -89 70 -79 15 -19 50 -59 11 -14 28 -29 30 -32 23 Helsinki Turku Oulu, Kemi, Rovaniemi Tampere Seinäjoki, Vaasa, Kokkola Jyväskylä, Kouvola, Kotka Joensuu, Ylivieska, Kajaani Kuopio, Pieksämäki Lahti Mikkeli, Lappeenranta, Savonlinna Hämeenlinna Pori Forssa Uusikaupunki Members 154 399 37 792 37 295 35 689 30 631 22 558 19 786 17 553 18 475 14 463 9 648 5 589 6 507 2 746 % 37, 015 9, 060 8, 941 8, 556 6, 655 6, 367 4, 743 4, 208 4, 429 3, 467 2, 313 1, 340 1, 560 0, 658 29. 10. 2020 12

Benefit expenditure per month 2014– 2018 € million 80 70 60 In 2017 50 In 2016 40 In 2015 In 2014 30 In 2018 20 10 0 Jan. Feb. Mar. Apr. May Jun. Jul. Aug. Sep. Oct. Nov. Dec. 29. 10. 2020 13

Cost of one benefit day YTK vs other employee funds in total € 3. 00 2. 50 2. 62 2. 57 2. 38 2. 19 2. 00 2. 10 2. 21 1. 50 1. 28 1. 00 1. 16 1. 09 1. 08 1. 13 1. 20 Unemployment funds, average YTK 0. 50 0. 00 2012 2013 2014 2015 2016 2017 29. 10. 2020 14

Development of number of YTK’s members 450, 000 417, 000 390, 400 376, 577 361, 552 400, 000 350, 000 303, 331 300, 000 250, 883 250, 000 200, 953 200, 000 158, 056 150, 000 121, 842 100, 000 50, 000 0 48, 284 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 29. 10. 2020 15

Age structure of YTK’s members 40000 30000 20000 10000 0 17 -19 20 -24 25 -29 30 -34 35 -39 40 -44 Women 45 -49 50 -54 55 -59 60 -64 65 -67 Men 29. 10. 2020 16

YTK’s values

Change is an opportunity for us Work is important. We have the courage to experiment, ask and influence matters in order to be able to support working life and the people within it. Everyone walks an individual path in the working life. We look for new ways to bring work and employees together. We build new services that help improve the Finnish working life. Changing is not easy, it takes support and courage.

Your guide As the world is changing, working careers increasingly comprise of various periods. We see to it that our members get financial security when they do not have a job. We take care of earnings-related security quickly and help with the sometimes complicated labyrinths of unemployment security. Through co-operation and by helping the colleagues we ensure that our members get the best possible service.

Courageous debater Communication is interaction, exchanging of ideas. When we share information and experiences, we can develop what is good and change things that are not working. We discuss courageously the working life and changing it. We want to be direct, fair and real. Without courage, many things remain unsaid and is thus misunderstood. Talk makes things come true. What has not been said does not exist.

What do we do?

Service Director Anna Mäkelä -Mäki Managing Director Sanna Alamäki Executive Assistant Merja Erkkilä Chief Lawyer Teija Hautera Team Leaders Anni Kivilä Eero Ruohonen Eeva Kosonen Marika Lindgren Mikke Sarajärvi Tarja Mäki Lawyer Ermo Inkeroinen Customer advice Unemployment Security Expert Petja Eklund processing of benefits Personnel Developers Mika Tuominen Minna Mäkelä Terhi Jääskeläinen Rauni Hirviniemi HR Manager Anne Pihlava Clinic statements Account Manager Maarit Ojala Marketing Director Pirjo Kaasinen Chief Accountant Aulikki Mäentaus claim for recovery member register Accountant Kalle Poso internal service Accountant Pauliina Mattila Marketing Manager Anne Rautu Payroll Clerk Sirpa Tekoniemi Project Manager Jenni Lundelin Project Manager Topi Niiranen 14 teams Financial Director Antti Jokinen System Expert Tuomas Ojala Development Director Seppo Turunen 29. 10. 2020 22

Multichannel service Chatbot Iiris Online service Social media channels Newsletters Answer % 60 Work shift planning Payment schedules Goals Scorecards Queue time for Customer advisor ~1 min ica tio 800* Ninchat / Get. Jenny Telephone 41 % 3 500* Call Center Oma. YTK 48 % 2 100* Message centre Customer service 20 - 30 un m m Co ns Chat 11 % E-mail lica Processing of applications 50 - 60 300* tion s Customer 8 500* Oma. YTK 94 % Case management App Info board Processor’s desk BI Barrels Claim for recovery ets. Reporting & status Automatic payment ~ 40 % Total 80 people Post 6 % NPS 74 *per week Application types: Earnings-related daily allowance Alternation compensation Mobility allowance Automated Manually self-guiding Onechannel model 29. 10. 2020 23

Social development

Statutory duty • The unemployment fund manages a public duty. According to the Constitution of Finland, the general principles governing the bodies of State administration shall be laid down by an Act, if their duties involve the exercise of public powers. The duty has been given to unemployment funds by virtue of the Unemployment Funds Act. According to the law, the unemployment fund shall provide earnings-related unemployment security to its members. It must not do anything else. • The Financial Supervisory Authority supervises the operating of unemployment funds and their compliance with the law. • There are 24 unemployment funds for employees and 2 unemployment funds for entrepreneurs in Finland. • The other unemployment funds have limitations on membership and they operate in conjunction with trade unions. • Membership in another community must not be a condition for membership in an unemployment fund. 29. 10. 2020 25

YTK in the field of unemployment funds • YTK ignores this mechanism and since its founding has been viewed in the trade union movement as a player that aims at breaking the trade union movement. • The deduction is understandable when you look at it from the point of view of the trade union movement. From YTK’s point of view the situation arises from the operating logic of unemployment funds and trade unions which YTK passes just by existing. No specific intention is required from YTK. • YTK is an independent expert organisation that manages its statutory duty efficiently and in a customer-oriented manner. YTK has no political agenda related to the social order. Instead, YTK aims at helping in the development of the unemployment security in such a way that the unemployment security would support employment in the best possible way. 29. 10. 2020 26

Unemployment security system • The Finnish unemployment security system was formed in accordance with the Ghent model. It is a hybrid between private and general unemployment insurance. The security is financed by the State, employer, employees, and members of the fund. • When the system was being developed, it was thought that a completely private insurance does not work as social security, and general insurance was considered expensive. In addition, it was thought that a general insurance would lead to transfer of assets between different population groups, and that was not accepted by all parties. • The present model has led to a situation in which salaried employees who are not members of a fund receive a smaller unemployment security. • There are different balancing mechanisms and other social impacts. The criticism presented against the system is, however, justified, and it needs to be taken into account. 29. 10. 2020 27

YTK Association

The business idea of YTK Association according to the rules of YTK Association, the purpose of its operations is to supervise and enhance the general and common, professional, social and legal benefits of its members, and develop their co -operation. The Association offers its members a legal expenses and leisure time accident insurance and the access to legal advice on employment relationships from a lawyer by phone. The business idea of YTK Association

We provide security and coach our members in the changes of the working life. • • • The Finnish working life is changing. We provide reliable security for changing situations in the working life, and help our members to take the opportunities brought by the changes. The Fund supports people financially in changing situations by paying earnings-related security. The Association offers additional security and benefits, and coaches and helps people to find new directions in working life. YTK Association provides the best service and most modern tools as a support network of working life. The business idea of YTK Association

Number of members of YTK Association 180, 000 166, 136 160, 000 135, 420 140, 000 120, 905 120, 000 109, 166 97, 605 100, 000 82, 082 80, 000 68, 125 56, 004 60, 000 40, 000 37, 880 72, 130 61, 099 41, 998 28, 308 20, 000 0 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 29. 10. 2020 31

Structure of the members of YTK Association by post code area Post code area 00 -10 Helsinki 20 -27 Turku 90 -99 Oulu, Kemi, Rovaniemi 33 -39 Tampere 60 -69 Seinäjoki, Vaasa, Kokkola 40 -49 Jyväskylä, Kouvola, Kotka 80 -89 Joensuu, Ylivieska, Kajaani 70 -79 Kuopio, Pieksämäki 15 -19 Lahti 50 -59 Mikkeli, Lappeenranta, Savonlinna 11 -14 Hämeenlinna 28 -29 Pori 30 -32 Forssa 23 Uusikaupunki % 36, 2 9, 1 4, 2 8, 6 6, 8 6, 7 4, 5 4, 4 3, 6 2, 3 1, 5 0, 7 29. 10. 2020 32

Age structure of members of YTK Association 16000 14000 12000 10000 8000 6000 4000 2000 0 17 -19 20 -24 25 -29 30 -34 35 -39 40 -44 Women 45 -49 50 -54 55 -59 60 -64 65 -67 Men 29. 10. 2020 33

Membership fee 18 € / 2019 Student membership free 29. 10. 2020 34

Student membership of YTK Association

ip h s r e b m e m t n Stude As a general rule only a member of YTK fund can join the YTK Association. From 1 January 2018 on student can have joined the YTK Association without being members of the fund. From 1 January 2019 on the student membership is free, and thus students get access to all membership benefits of YTK Association free of charge.

Student membership A student member is not a member of the unemployment fund and is not insured in case of unemployment. It is worthwhile for a working student to join as a combined member of YTK i. e. becoming a member of both the YTK unemployment fund and the YTK Association (combined membership € 110/2019 (membership in the Association becomes then subject to a fee))

YTK’s visibility

YTK Follow us in social media! ytk_loimaa Yleinen työttömyyskassa YTK-Yhdistys ry YTK_Loimaa YTKkassa 29. 10. 2020 39

Markkinointikampanja kevät 2018 29. 10. 2020 40

Markkinointikampanja syksy 2018 29. 10. 2020 41

Opiskelijajäsenkampanja 2018 -2019 29. 10. 2020 42

Kiitos!