Numerous global and regional trends and developments influence the environment in which a.s.r. operates. a.s.r. aims to adapt to its evolving surroundings and commits to remaining proactive in addressing opportunities and risks associated with these changes. Section 5.4 Managing Risks and section 7.8 Risk Management elaborate on the risk management approach which is an integral part of a.s.r.’s day-to-day business operations. The trends & developments elaborated on in this section highlight the market developments most relevant to a.s.r., their impact on a.s.r.’s stakeholders, and how a.s.r. responds to these changes.

• ¹Source: DNB (2024)