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      "text": "Short-term (2030), Medium-term (2040), Long-term (2050)",
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      "text": "Physical risks were assessed under multiple climate scenarios and time horizons – 2030 (short-term), 2040 (medium-term), and 2050 (long-term) – using the Shared Socioeconomic Pathways (SSP) and Representative Concentration Pathways (RCP).",
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      "text": "1. Estimation of anticipated financial effects from climate-related risks and opportunities will follow ESRS E1-9 transitional provisions, according to EU CSRD.",
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