We believe that Insurance is a people business and that applies to our customers, employees, partners and everyone we interact and work with. We want to provide best-in-class customer experience where it matters most to our customers. And customer and employee satisfaction go hand in hand to drive results.

We consider our people our greatest asset. They are supported by an action-oriented culture and strong values that allow them to make things happen. We want to be considered a great place to grow for our employees, and an inspiring employer in every market in which we operate across all sectors and all demographics.

We aim through Impact24 to unlock the full potential that we know exists within our current business and to broaden our scope andscalein the right way.

As we look at our insurance business today, we believe that our Core remains highly attractive to deliver a substantial part of our financial ambition by 2024.

We took time to understand the certainties and to embrace the uncertainties around future trends, identifying new opportunities where Ageas has the capability to participate and create impact.

This translated into selected long-term opportunities and investment in new growth enginess, adding new capabilities that complement our strengths, to keep Ageas future-proof.

To fuel further growth, we are focusing on opportunities in adjacent business in Health, Protection, Digital platforms & Reinsurance at Group level, with Home, Mobility and Life & Savings being our Local priorities.

For Ageas, working alongside strong partners is part of our DNAand this puts us in a strong position to engage with the current and future winners including the next-gen players who provide access to new pools of customers and growth.

Within our healthy Core we have continuing confidence going forward in banca, brokers and agents, and we will look to foster new alliances in partnerships that allow us to leverage the strengths of Digital platforms and Ecosystems.

To help turbo-charge our progress we will further deploy technology & data and enhance our customer experience by redesigning the end-to-end customer journey.

We will consider a range of different initiatives to improve our distribution and commercial excellence for our customers, while improving the work experience for our employees.

To achieve Impact24, we will tap into the current footprint of the Group while continuing to apply our success formula of local empowerment.

Local is an important part of the way we stay close to our customers, and it provides competitive advantage.

Ageas as a Group brings deep insurance expertise, strong capital management and discipline, extensive distribution knowledge, a culture of partnerships, human capital and importantly a long-term perspective to the local market leading companies.

Our profile as a Group with a mix between mature markets and high growth markets is unique and allows us to go further, set our sights higher, and to invest and achieve our next level of ambition taking a growing share of the market evolution within each country.

We continue to recognise the benefit of a well-diversified and well-balanced portfolio, and the resilience this brings to the Group.

Impact24 is a long-term sustainable growth strategy. The choices and investments we make are not just for the next three years but for the years that follow on through 2030 and beyond.

We will put sustainability considerations at the heart of our decision-making to innovate, understand risk, drive growth, and build a more inclusive and sustainable future.

We have a duty of care and responsibility to future generations, as we had for the past 200 years.