Annual Report 2023

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Table of contents for the Annual Report 2023 report

Facts and Figures Shareholders’ Letter Strategy and BrandSegment Reporting

Switzerland France Germany International Asset Managers

Corporate Governance

Group Structure and Shareholders Capital Structure Board of Directors Corporate Executive Board Transfer of Management Tasks Swiss Life Compensation Report for the Financial Year 2023 Report of the Statutory Auditor Shareholders’ Participation Rights Changes of Control and Defence Measures Auditors Information Policy

Risk ManagementSustainability Report

Foreword Sustainability StrategySustainability in Business Activities

Regulatory Compliance Cybersecurity Climate Change Mitigation and Operational Ecology Human Rights Procurement Political Commitment Corporate Citizenship

Sustainability as an Asset Owner and Manager

Principles and Overview Securities Active Stewardship Real Estate Management Infrastructure Investments

Sustainability in Insurance and Advisory

Offering and Customer Value Insurance Business Advisory

Sustainability as an Employer

Employees and Working Environment Employee Leadership and Communication Diversity and Inclusion Health and Safety Social Partnership

Information on Memberships and Standards

Information on Sustainability Reporting Report on Non-Financial Matters EU Taxonomy Information for the Insurance Group Contribution to the Sustainable Development Goals (SDG)Progress Report on the UN Global Compact Information on the UNEP FI Principles for Sustainable Insurance (PSI)Memberships and Ratings GRI Index and SASB Index

Sustainability Indicators Report of the Independent Auditor

Share PerformanceConsolidated Financial Statements

Consolidated Statement of Income Consolidated Statement of Comprehensive Income Consolidated Balance Sheet Consolidated Statement of Cash Flows Consolidated Statement of Changes in EquityNotes to the Consolidated Financial Statements

1 General Information 2 Summary of Significant Accounting Policies 3 Critical Accounting Estimates and Judgements in Applying Accounting Policies 4 Segment Information 5 Risk Management Policies and Procedures 6 Earnings per Share 7 Details of Certain Items in the Consolidated Statement of Income 8 Derivatives and Hedge Accounting 9 Financial Assets 10 Investment Property 11 Investments in Associates 12 Property and Equipment 13 Intangible Assets 14 Other Assets and Liabilities 15 Investment Contracts without Discretionary Participation 16 Insurance and Investment Contracts with Discretionary Participation 17 Borrowings 18 Other Financial Liabilities 19 Employee Benefits 20 Income Taxes 21 Provisions 22 Equity 23 Capital Management 24 Acquisitions and Disposals of Subsidiaries 25 Related Party Transactions 26 Fair Value Measurements 27 Offsetting Financial Assets and Liabilities 28 Guarantees and Commitments 29 Collateral 30 Events after the Reporting Period 31 Scope of Consolidation

Report of the Statutory Auditor

Swiss Life Holding Financial Statements

Management Report Statement of Income Balance Sheet Notes to the Financial Statements Profit and Appropriation of Profit Report of the Statutory Auditor

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Sustainability in Business Activities

Swiss Life maintains high standards for its own business conduct. Diligence and responsible action are the basis for successful and sustainable business operations.