a.s.r. annual report 2021

GRI Content Index

	Disclosure	Requirement(s) Omitted	Chapter reference
Statement of use
	Statement of use		a.s.r. has reported the information cited in this GRI content index for the reporting period starting on 1 January 2021 and lasting up to and including 31 December 2021 with reference to the GRI Standards.
GRI 1: GRI used
	GRI used		GRI 1: Foundation 2021
GRI 2: General Disclosures 2021
1. The organisation and its reporting practices
2-1	Organisational details		2.2 and 6.1
2-2	Entities included in the organisations sustainability reporting		6.7 and 7.6
2-3	Reporting, period, frequency and contact point		7.6 Contact details on the back cover Reporting period 1 January to 31 December 2021 Publication date 23 March 2022
2-4	Restatements of information		7.6
2-5	External assurance		7.1, 7.2, 7.6
2. Activites and workers
2-6	Activities, value chain and other business relationships		2.2, 2.3
2-7	Employees		7.5
2-8	Workers who are not employees	This information is not fully available. The term 'workers' is broadly defined in the GRI. This makes it unfeasible for a.s.r. as an organisation, with an extensive network of intermediaries and subcontractors that fall under the definition, to report the requested information without undue cost or effort.
3. Governance
2-9	Governance structure and composition		5.1, 5.2
2-10	Nomination and selection of the highest governance body		5.1, 5.2
2-11	Chair of the highest governance body		5.1
2-12	Role of the highest governance body in overseeing the management of impacts		5.1, 5.2
2-13	Delegation of responsibility for managing impacts		5.1, 5.2
2-14	Role of the highest governance body in sustainability reporting		5.1, 5.2, 7.6
2-15	Conflicts of interest		5.1
2-16	Communication of critical concerns		4.3, 5.1
2-17	Collective knowledge of the highest governance body		5.1
2-18	Evaluation of the performance of the highest governance body		5.1
2-19	Remuneration policies		5.3
2-20	Process to determine remuneration		5.3
2-21	Annual total compensation ratio		5.3
4. Strategy, policies and practices
2-22	Statement on sustainable development strategy		1.2, 2.2, 5.1
2-23	Policy commitments		3.4
2-24	Embedding policy commitments		3.4
2-25	Process to remediate negative impacts		3.1, 3.2, 3.3, 3.4, 3.6
2-26	Mechanisms for seeking advice and raising concerns		3.4
2-27	Compliance with laws and regulations		3.4, 4.3
2-28	Membership associations		3.2, 3.4, 7.6
5. Stakeholder engagement
2-29	Approach to stakeholder engagement		2.6, 7.9
2-30	Collective bargaining agreements		3.3, 7.5
GRI 3: Material Topics 2021
3-1	Process to determine material topics		2.6, 7.9
3-2	List of material topics		2.6
3.3 Management of material topics: Meeting customer needs	Actual and potential, positive and negative impact on the economy, environment and people		2.1, 2.6, 2.7
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.6, 3.1, 3.2
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 3.2
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 3.2
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 3.2
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		3.1, 3.2, 7.9
GRI 418: Customer Privacy 2016	418-1 Substantiated complaints concerning breaches of customer privacy and losses of customer data		3.1, 3.4, 4.3
3.3 Management of material topics: Developing and promoting sustainable products/services	Actual and potential, positive and negative impact on the economy, environment and people		2.1, 2.6, 2.7
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.6, 3.1, 3.2
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 3.2
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 3.2
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 3.2
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
3.3 Management of material topics: Socially responsible investments	Actual and potential, positive and negative impact on the economy, environment and people		2.1, 2.6
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.6, 3.2
	Describe the policies or commitments regarding the material topic		2.6, 3.2
	Describe actions taken to manage the topic and related impacts		2.6, 3.2
	Report information about tracking the effectiveness of the actions taken		2.6, 3.2
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
3.3 Management of material topics: Mitigating and adapting to the consequences of climate change	Actual and potential, positive and negative impact on the economy, environment and people		2.1, 2.6, 4.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.6, 3.1, 3.2, 4.5
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 3.2, 4.5
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 3.2, 4.5
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 3.2, 4.5
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
GRI 302: Energy 2016	302-1 Energy consumption within the organization	As an insurance company, a.s.r. mainly uses energy to keep its offices operational (e.g. cooling and heating). The electricity consumption is expressed in kWh. Gas consumption is expressed in m³.	3.4, 7.5
	302-2 Energy consumption outside of the organization	a.s.r.'s energy consumption outside its own organisation is very limited because a.s.r. is a service provider. No raw materials are purchased and the products sold do not consume any energy.	3.4, 7.5
	302-3 Energy intensity		3.4, 7.5
	302-4 Reduction of energy consumption	a.s.r. has formulated a CO₂ target with 2018 as the base year. The target year for energy consumption is 2030.	3.4, 7.5
	302-5 Reductions in energy requirements of products and services	This topic is not applicable to a.s.r. because the products and services produced by a.s.r. do not directly consume energy.
GRI 305: Emissions 2016	305-1 Direct (Scope 1) GHG emissions	a.s.r. only reports CO₂ emissions because other emissions are not materially relevant.	3.4, 7.5
	305-2 Energy indirect (Scope 2) GHG emissions	a.s.r. only reports CO₂ emissions because other emissions are not materially relevant.	3.4, 7.5
	305-3 Other indirect (Scope 3) GHG emissions	a.s.r. only reports CO₂ emissions because other emissions are not materially relevant.	3.4, 7.5
	305-4 GHG emissions intensity	Information is incomplete. a.s.r. does not use energy intension numbers for its own energy usage, instead GHG emission intensity numbers are used. For investments ton CO₂e/m€ is used.	3.4, 7.5
	305-6 Emissions of ozone-depleting substances (ODS)	Not applicable for a.s.r. Given the business activities of a.s.r., ODS and other emissions are not material.
	305-7 Nitrogen oxides (NOx), sulfur oxides (SOx), and other significant air emissions	Not applicable for a.s.r. Given the business activities of a.s.r., NOx, SOx and other emissions are not material.
3.3 Management of material topics: Robust financial framework	Actual and potential, positive and negative impact on the economy, environment and people		2.5, 2.6, 4.1, 6
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.6, 4.1
	Describe the policies or commitments regarding the material topic		4.1, 6
	Describe actions taken to manage the topic and related impacts		4.1, 6
	Report information about tracking the effectiveness of the actions taken		4.1, 6
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
GRI 201: Economic Performance 2016	201-1 Direct economic value generated and distributed		2.5, 3.5, 6.2
	201-2 Financial implications and other risks and opportunities due to climate change		4.2, 4.5, 6.8
	201-3 Defined benefit plan obligations and other retirement plans		6.5
	201-4 Financial assistance received from government	Not applicable since a.s.r. receives no state aid.
GRI 207: Tax 2019	207-1 Approach to tax		3.4, For additional information see the a.s.r. taxpolicy at www.asrnl.com/-/media/files/asrnederland-nl/duurzaam-ondernemen/duurzame-belastingbetaler/sustainable-taxpayer.pdf?la=en
	207-2 Tax governance, control, and risk management		3.4, For additional information see the a.s.r. taxpolicy at www.asrnl.com/-/media/files/asrnederland-nl/duurzaam-ondernemen/duurzame-belastingbetaler/sustainable-taxpayer.pdf?la=en
	207-3 Stakeholder engagement and management of concerns related to tax		3.4, For additional information see the a.s.r. taxpolicy at www.asrnl.com/-/media/files/asrnederland-nl/duurzaam-ondernemen/duurzame-belastingbetaler/sustainable-taxpayer.pdf?la=en
	207-4 Country-by-country reporting	Country-by-country reporting is not applicable for a.s.r. Since a.s.r. operates almost exclusively in the Netherlands, country-by-country reporting is not a relevant topic.
3.3 Management of material topics: Contributing to financial self-reliance	Actual and potential, positive and negative impact on the economy, environment and people		2.6, 7.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships	Not applicable for a.s.r. because a.s.r. has no activities with negative impacts for this material topic.
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 3.6
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 3.6
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 3.6
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		2.6, 7.9
GRI 413: Local Communities 2016	413-1 Operations with local community engagement, impact assessments, and development programs		3.1, 3.2, 3.6, 7.9
GRI 413: Local Communities 2016	413-2 Operations with significant actual and potential negative impacts on local communities	Not applicable for a.s.r. because a.s.r. has no activities with significant actual and potential negative impacts on local communities
3.3 Management of material topics: Supporting vitality	Actual and potential, positive and negative impact on the economy, environment and people		2.6, 3.1, 3.3, 7.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships	Not applicable for a.s.r. because a.s.r. has no activities with negative impacts for this material topic.
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 3.3
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 3.3
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 3.3
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
3.3 Management of material topics: Contributing to sustainable employability	Actual and potential, positive and negative impact on the economy, environment and people		2.6, 7.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships	Not applicable for a.s.r. because a.s.r. has no activities with negative impacts for this material topic.
	Describe the policies or commitments regarding the material topic		2.6, 3.1, 4.1
	Describe actions taken to manage the topic and related impacts		2.6, 3.1, 4.1
	Report information about tracking the effectiveness of the actions taken		2.6, 3.1, 4.1
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
GRI 401: Employment 2016	401-1 New employee hires and employee turnover	a.s.r. publishes new employee and turnover figures on a total level, no distinction is made between age, gender and region.	3.3, 7.5
	401-2 Benefits provided to full-time employees that are not provided to temporary or part-time employees	This disclosure is not applicable for a.s.r. since a.s.r. makes no distinction between full-time and part-time employees. All benefits are laid down in the CLA that applies to every a.s.r. employee.
	401-3 Parental leave	Information unavailable, a.s.r. does not report externally in detail on the extent to which parental facilities are used. Parental leave is part of a.s.r.'s CLA.
GRI 402: Labor/Management Relations 2016	402-1 Minimum notice periods regarding operational changes	This disclosure is not applicable for a.s.r. In the Netherlands, the rights of employees in organizational changes are laid down by law. Within a.s.r. organizational changes take place in close consultation with the employee participation bodies.	5.4
GRI 403: Occupational Health and Safety 2018	403-2 Hazard identification, risk assessment, and incident investigation	Information is unavailable. Within a.s.r. mainly office work is carried out, so that the dangers are limited. Risk inventories are carried out on a regular basis.
GRI 404: Training and Education 2016	404-1 Average hours of training per year per employee	Information on training by gender and / or employee category is not available. When reporting on training hours per FTE, a.s.r. does not distinguish between women and men because the starting point is that everyone should have equal opportunities.	7.5
	404-2 Programs for upgrading employee skills and transition assistance programs		3.3
	404-3 Percentage of employees receiving regular performance and career development reviews	Information about the percentage of the total workforce per gender and per employee category that has had a periodic performance and career development reviews is not available. Management annually discusses with all employees their progress, including the following career steps.	3.3
3.3 Management of material topics: Fostering divesity and inclusion	Actual and potential, positive and negative impact on the economy, environment and people	Periodic performance and career development reviews is not available. Management annually discusses with all employees their progress, including the following career steps	2.6, 7.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships	Not applicable for a.s.r. because a.s.r. has no activities with negative impacts for this material topic.
	Describe the policies or commitments regarding the material topic		3.3, 5.1
	Describe actions taken to manage the topic and related impacts		3.3, 5.1
	Report information about tracking the effectiveness of the actions taken		3.3, 5.1
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
GRI 405: Diversity and Equal Opportunity 2016	405-1 Diversity of governance bodies and employees		7.5
GRI 405: Diversity and Equal Opportunity 2016	405-2 Ratio of basic salary and remuneration of women to men	No ratios are reported. a.s.r. reports the hourly salaries of men and women at various levels in the organization in euros.	3.3, 7.5
GRI 406: Non-discrimination 2016	406-1 Incidents of discrimination and corrective actions taken	a.s.r. reports the number of violations of the code of conduct including possible cases of discrimination. Including the measures taken.	3.4
3.3 Management of material topics: Biodiversity and ecosystem services	Actual and potential, positive and negative impact on the economy, environment and people		2.6, 7.5
	Report if the organisation is involved with the negative impacts through its activities or as a result of its buiness relationships and describe the activities or business relationships		2.7, 3.2
	Describe the policies or commitments regarding the material topic		2.7
	Describe actions taken to manage the topic and related impacts	Information unavailable. a.s.r. signed the Finance for Biodiversity Pledge in September 2020 and will develop biodirversity policies and targets and report on the positive and negative contributions.
	Report information about tracking the effectiveness of the actions taken	Information unavailable. a.s.r. signed the Finance for Biodiversity Pledge in September 2020 and will develop biodirversity policies and targets and report on the positive and negative contributions.
	Describe how engagement with stakeholders as informed actions taken and how it has informed whether the actions have been effective		7.9
GRI 304: Biodiversity 2016	304-1 Operational sites owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas	This disclosure is not applicable for a.s.r. since it has no activities adjacent to or in protected areas.
	304-2 Significant impacts of activities, products and services on biodiversity	Information requested is not yet available. In the coming period, the impact of a.s.r.'s activities on biodiversity will be investigated. And will be reported in 2024 at the latest.
	304-3 Habitats protected or restored	Information requested is not yet available. In the coming period, the impact of a.s.r.'s activities on biodiversity will be investigated. And will be reported in 2024 at the latest.
	304-4 IUCN Red List species and national conservation list species with habitats in areas affected by operations	Information requested is not yet available. In the coming period, the impact of a.s.r.'s activities on biodiversity will be investigated. And will be reported in 2024 at the latest.