Single programming document 2021-2023, including annual work programme 2021 : guiding EIOPA towards a new normal

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      <subfield code="a">The Covid-19 pandemic has severely affected societies and economies around the globe. With its unparalleled severity, complexity and scale, it has created and is still creating serious threats to people's health. At the same time, the pandemic is causing massive economic disruptions going beyond national borders. While the pandemic is still unfolding, it is clear that this crisis will have long-term impact on economies and societies. High levels of uncertainty on the magnitude of economic disruption remain and will increase downside risks going forward. The adverse impact of Covid-19 will further require EIOPA to assess structural changes in the insurance and pension area. The developing recession will negatively affect corporate sector profitability, resulting in rating downgrades, increased defaults and higher unemployment. As a result, financial markets will likely remain excessively volatile. High interconnectedness of insurers with banks could further support spill-overs of risks from the different economic sectors to insurers and pension funds. These factors may lead to materialisation of risks on insurers' and pensions' balance sheet with a substantial lag and high uncertainties.</subfield>
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