During 2022, various developments and trends impacted the insurance sector in the Netherlands, such as rising inflation and interest rates, as well as the normalisation of claims patterns following the abolition of government measures to control the spread of COVID-19 and changing legislation and regulations.

Global challenges and developments, such as climate change, IT and cyber security, geopolitical instability, human rights, and biodiversity remained the focus of attention. a.s.r. monitors these trends and developments to benefit from opportunities that arise. a.s.r. also aims to limit risks for its businesses arising from those trends.

The identified market trends lead to several key focus items for a.s.r.'s medium-term business strategy for 2022-2024.