estate

companies active in the real estate sector within the framework of the Perspective Immo uni t-linked product. Monument Assurance Belgium acts as an active investor in these companies, ensuring the deployment of an ESG strategy and a policy of energy-ecienffi t renovaoti n of real estate assets. Monument Assurance Belgium votes at ordinary and extraordinary general meetings of the shareholders of companies in which it holds at least 1% of the share capital. Voting decisions are taken independently

data: bank details, overall financial situation (salary, real estate, etc.), documents required for the settlement of the contract (e.g. proof of retirement, an extract of the member's death certificate, notarial deed showing the beneficiary's status

government bonds towards corporate bonds. This operation will enhance future recurring earnings and offset the opposite operation that occurred end of 2023. The toneless real-estate market in Belgium since the recovery of interest rate in 2022... inability to repay loans that have reached their maturity date. As a result, MAB has had to recognise a number of impairments on loans in 2024, in accordance with BGAAP standards. The real-estate participation of MAB in 2024, Monument Immo Management

went up from c.1.5% to over 4% in December 2024 and landed eventually around 2% in December 2025. On Real Estate, although quoted market being relatively stable over the period, one must note that the Belgian real-estate market continued to suffer...). Additionally, an asset portfolio was included in the transaction, consisting of, amongst others, a mortgage book, a real estate portfolio and policy loans. Life Individual Group Life Number of Number of

the real-estate market continues to suffer from the revision of the financing rate. Downward pressure on transaction price remains important with negative impact on transaction volumes. Solvency and Financial Condition Report 31 December 2023 Page 16 of 93 Monument Group: PUBLIC Despite its exposure to real-estate and additional impairments acted on Monument Immo Management, the economic own funds of MAB were relatively stable over the year thanks to disciplined financial hedging strategies and

, inflationary pressures, real-estate and equity market downturns. ▪ Thanks to disciplined financial hedging strategies and the IGR, the economic own funds of Monument were not negatively affected. ▪ In accordance with its risk appetite and investment strategy

of, amongst others, a mortgage book, a real estate portfolio and policy loans. st Solvency and Financial Condition Report 31 December 2021 Page 23 of 77 Monument Group: PUBLIC Individual Life Group Life Product Number of Reserves (M Life Co Product