What actions should you anticipate at such stops?

Your answer is fully correct.

At tram stops with a central island, pedestrians often act unpredictably. They may step off the island into traffic without paying attention (option 1) or run across the road to the tram island to catch the tram (option 2). This behavior requires drivers to be especially cautious and ready to slow down or stop suddenly.

Pedestrians rarely wait until the road is completely clear (option 3) at these stops, which is why options 1 and 2 cover the typical risks you should anticipate. Recognizing this helps you drive defensively and avoid accidents near tram stops.