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The following statement was released by the rating agency. Overall, we think that while low interest rates, longevity risk, and the potential impact of Solvency II pose potential risks for the capitalization of Norwegian life insurers, Storebrand is taking strong management actions to improve its competitive position and investment profile, which we consider offset these risks. Storebrand occupies one of the leading market positions in the Norwegian long-term savings market, with a well-established position as one of the top three companies by sales figures over many years. We expect this to continue in the future. Storebrand operates a dynamic investment policy, with very strong credit quality and appetite for investment risk varying in line with available capital. Storebrand has shown a conservative attitude to both credit and market risk. In , Storebrand implemented a project to improve its asset liability management by adapting its asset strategy for different cohorts. In , Storebrand introduced an alternative system for controlling market risk. This was intended to strengthen the capital position in anticipation of potential changes in the regulatory environment. The main potential capital needs are the refinancing of debt due in June We assess capitalization as good, although below our guidelines for the rating level. We expect the incoming Solvency II environment to weigh on many Norwegian insurers, possibly including Storebrand. Furthermore, regulatory changes are being discussed, which may reduce the impact of Solvency II.

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