FABRICE BRÉGIER (F.B.) Chairman of the Board THIERRY LÉGER (T.L.) Chief Executive Officer BUILDING ON STRONG FOUNDATIONS A letter to the shareholders As we reflect on the past year, we are reminded of the resilience and adaptability that define SCOR. Despite the challenges faced, we have made significant strides toward meeting the goals outlined in the Forward 2026 strategic plan and in providing our clients with innovative and tailor-made solutions. Indeed, our commitment to delivering custom solutions through partnerships and innovation has been an important factor in our continued success and you will see these themes resonate in the stories presented throughout this report. 2024 was once again marked by the impacts of climate change, mounting geopolitical tensions, and a wide and diverse range of evolving and emerging risks. Shifting demographic patterns are rewriting reinsurance needs across markets globally. Many countries face aging populations, placing a strain on healthcare and social security systems. Others see a young population entering the workforce, starting families, and looking to the future with high expectations. Tech and data are also top of mind for reinsurers as new tools and resources promise to revolutionize how we work and create new expectations from clients and policyholders. Each of these trends brings their own challenges and opportunities. We are seeing that these trends are driving a higher demand for risk transfer solutions and successful reinsurers will be those who quickly recognize and embrace opportunities, adapt swiftly, and tailor their offering to meet markets’ unique needs. These reinsurers will be flexible and smart in how they handle these issues and adapt their services. Moving forward with a clear roadmap in 2025, SCOR is well positioned to address and respond to these challenges, enhance societal resilience, and transform complexity into opportunity. Our dedicated efforts ensure we are on track to deliver significant value to our shareholders, clients, employees, and society as a whole. THIERRY LÉGER Chief Executive Officer “SCOR is well positioned to address and respond to these challenges, enhance societal resilience, and transform complexity into opportunity.” T.L. 10 ACTIVITY REPORT 2024
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