Statement of use

a.s.r. has reported in accordance with the GRI Standards for the period starting on 1 January 2022 and lasting up to and including 31 December 2022.

GRI 2: General Disclosures 2021

1. The organisation and its reporting practices

GRI		Disclosure Annual Report	Notes
2-1	Organizational details	6.1.1 General information
2-2	Entities included in the organization's sustainability reporting	6.7.9 List of principal group companies and associetes 7.6 About this report
2-3	Reporting period, frequency and contact point	7.6 About this report Contact details	Publication date 22 March 2023
2-4	Restatements of information	7.6 About this report
2-5	External assurance	7.2 Assurance report of the independent auditor 7.6 About this report

2. Activities and workers

GRI		Disclosure Annual Report	Notes
2-6	Activities, value chain and other business relationships	2.1 The story of a.s.r. 2.2 Business portfolio 2.6 Key stakeholders 3.1 Becomming the best financial service provider 3.2 Being a responsible investor	The most material part of a.s.r.'s supply chain consists of its investment opportunities as described in the chapter 3.2 Being a responsible investor.
2-7	Employees	7.5 Facts and figures	Omission, information unavailable: a.s.r. does not report about non-guaranteed hours employees because, in the case of a.s.r., this is not a standard employment contract. a.s.r. mainly has full time and part time employment contracts. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual report.
2-8	Workers who are not employees		Omission, information unavailable: a.s.r. has an extensive network of intermediaries and subcontractors that fall under the GRI definition of 'workers'. It is not possible to report the requested information yet. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual Report.

3. Governance

GRI		Disclosure Annual Report	Notes
2-9	Governance structure and composition	5.1 Corporate governance 5.2 Supervisory Board report
2-10	Nomination and selection of the highest governance body	5.1 Corporate governance 5.2 Supervisory Board report
2-11	Chair of the highest governance body	5.1 Corporate governance
2-12	Chair of the highest governance body in overseeing the management of impacts	5.1 Corporate governance 5.2 Supervisory Board report	Within a.s.r., the CEO is ultimately responsible for the ESG policy and the impacts realised as a result. Shaping policy and targets is delegated to the Sustainability Workforce. The Nomination & ESG Committee of the Supervisory Board exercises an advisory and monitoring role in the field of ESG policy and results towards the Executive Board.
2-13	Delegation of responsibility for managing impacts	5.1 Corporate governance 5.2 Supervisory Board report	Within a.s.r., the CEO is ultimately responsible for the ESG policy and the impacts realised as a result. Shaping policy and targets is delegated to the Sustainability Workforce. The Nomination & ESG Committee of the Supervisory Board exercises an advisory and monitoring role in the field of ESG policy and results towards the Executive Board.
2-14	Role of the highest governance body in sustainability reporting	5.1 Corporate governance 5.2 Supervisory Board report
2-15	Conflicts of interest	5.1 Corporate governance
2-16	Communication of critical concerns	4.8 Compliance 5.1 Corporate governance	The Compliance Manager has direct lines to both the CEO and the SB chairman to communicate critical concerns. Omission, information unavailable: a.s.r. does report the amount of internally critical concerns reported to the highest governance board. The amount of externally critical concerns is not yet reported. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual report.
2-17	Collective knowledge of the highest governancy body	5.1 Corporate governance
2-18	Evaluation of the performance of the highest governance body	5.1 Corporate governance
2-19	Remuneration policies	5.3 Remuneration report
2-20	Process to determine remuneration	5.3 Remuneration report
2-21	Annual total compensation ratio	5.3 Remuneration report 7.5 Facts and figures	Omission, information incomplete: a.s.r. cannot capture the development of the pay ratio as referred to in article b (based on median income) because this information was not reported in previous years. As of this year, the pay ratio confrom in accordance with GRI 2021 has started to be been reported. As a result, development will be visible from as of next year.

4. Strategy, policies and practices

GRI		Disclosure Annual Report	Notes
2-22	Statement on sustainable development strategy	1 Message from the CEO 2.3 Key trends impactiing a.s.r.'s operations 2.4 Value creation model 2.5 Strategic targets and performance 2.7 Material topics and SDG's 5.1 Corporate governance
2-23	Policy commitments	3.2 Being a responsible investor 3.5 Operating as a trusted company 4.8 Compliance
2-24	Embedding policy commitments	3.2 Being a responsible investor 3.5 Operating as a trusted company 4.8 Compliance 5.1 Corporate governance
2-25	Processes to remediate negative impacts	3.1 Becoming the best financial service provider 3.2 Being a responsible investor 3.3 Creating a vital and futureproof workforce 3.4 Informing the investor community 3.5 Operating as a trusted company 4.9 Environmental performance
2-26	Mechanisms for seeking advice and raising concerns	3.5 Operating as a trusted company 4.8 Compliance
2-27	Compliance with laws and regulations	3.5 Operating as a trusted company 4.8 Compliance	This reporting disclosure is not applicable for a.s.r. as there were no significant instances of non-compliance with laws and regulations in 2022.
2-28	Membership associations	3.1 Becoming the best financial service provider 3.2 Being a responsible investor 3.5 Operating as a trusted company 7.6 About this report

5. Stakeholders engagement

GRI		Disclosure Annual Report	Notes
2-29	Approach to stakeholder engagement	2.7 Material topics and SDGs 7.9 Materiality analysis and stakeholder dialogue
2-30	Collective bargaining agreements	3.3 Creating a vital and futureproof workforce 7.5 Facts and figures	The entire a.s.r. population (100%) is covered by the collective labour agreement.

GRI 3: Material Topics 2021

GRI		Disclosure Annual Report	Notes
3-1	Process to determine material topics	2.7 Material topics and SDGs 7.9 Materiality analysis and stakeholder dialogue
3-2	List of material topics	2.7 Material topics and SDGs 7.9 Materiality analysis and stakeholder dialogue

GRI 201: Economic Performance 2016

GRI		Disclosure Annual Report	Notes
Material topic: Robust financial framework
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.1 Becoming the best financial service provider 3.4 Informing the investor community 6 Financial statements 7.9 Materiality analysis and stakeholder dialogue
201-1	Direct economic value generated and distributed	2.5 Strategic targets and performance 3.5 Informing the investor community 6.2 Consolidated financial statements
201-2	Financial implications and other risks and opportunities due to climate change	4.7 Risk management 4.9 Environmental performance 6.8 Risk management
201-3	Defined benefit plan obligations and other retirement plans	Not applicable	Defined benefit plan obligations and other retirement plans are not a material topic for a.s.r.
201-4	Financial assistance received from government	Not applicable	a.s.r. does not receive any financial assistence from government.

GRI 203: Indirect Economic Impacts 2016

GRI		Disclosure Annual Report
Material topic: Socially responsible investments
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.2 Being a responsible investor 3.5 Operating as a trusted company 7.9 Materiality analysis and stakeholder dialogue
203-1	Infrastructure investments and services supported	3.1 Becoming the best financial service provider 3.2 Being a responsible investor
203-2	Significant indirect economic impacts	3.1 Becoming the best financial service provider 3.2 Being a responsible investor 3.5 Operating as a trusted company

GRI 207: Tax 2019

GRI		Disclosure Annual Report	Notes
Material topic: Robust financial framework
3-3	Management of material topics	2.4 Value creation model 3.5 Operating as a trusted company 7.9 Materiality analysis and stakeholder dialogue
207-1	Approach to tax	3.5 Operating as a trusted compancy
207-2	Tax governance, control, and risk management		Omssion, not applicable: no specific tax audits have occured.
207-3	Stakeholder engagement and management of concerns related to tax	3.5 Operating as a trusted compancy 7.9 Materiality analysis and stakeholder dialogue
207-4	Country-by-country reporting	Not applicable	Omission. Country-by-country reporting is not applicable for a.s.r. since it operates almost exclusively in the Netherlands.

GRI 302: Energy 2016

GRI		Disclosure Annual Report	Notes
Material topic: Mititgating and adapting to the consequences of climate change
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 4.9 Environmental performance 7.9 Materiality analysis and stakeholder dialogue
302-1	Energy consumption within the organization	4.9 Environmental performance 7.5 Facts and figures	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
302-2	Energy consumption outside of the organization	4.9 Environmental performance 7.5 Facts and figures
302-3	Energy intensity	4.9 Environmental performance 7.5 Facts and figures	a.s.r.’s goal is to consume a maximum of 50 kWh/m² gross floor area + atriums by 2030. This is in line with the Paris-agreement.
302-4	Reduction of energy consumption	4.9 Environmental performance 7.5 Facts and figures	a.s.r. has formulated a CO_2- eq target with 2018 as the base year. The target year for energy consumption is 2030.
302-5	Reductions in energy requirements of products and services	Not applicable	Products and services produced by a.s.r. do not directly consume energy.

GRI 304: Biodiversity 2016

GRI		Disclosure Annual Report	Notes
Material topic: Biodiversity and ecosystem services
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.2 Being a responsible investor 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
304-1	Operational sites owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas	Not applicable	a.s.r. does not own, lease, or manage operational sites in or adjacent to protected areas and areas of high biodiversity value outside protected areas.
304-2	Significant impacts of activities, products and services on biodiversity	4.7 Risk management 4.9 Environmental performance	Omission: Information incomplete. 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	--	Omission: Information unavailable. 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	--	Omission: Information unavailable. 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.

GRI 305: Emissions 2016

GRI		Disclosure Annual Report	Notes
Material topic: Mitigating and adapting the consequences of climate change
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 4.9 Environmental performance 7.9 Materiality analysis and stakeholder dialogue
305-1	Direct (Scope 1) GHG emissions	4.9 Environmental performance 7.5 Facts and figures	a.s.r. only reports CO₂-eq emissions because other emissions are not materially relevant.
305-2	Energy indirect (Scope 2) GHG emissions	4.9 Environmental performance 7.5 Facts and figures	a.s.r. only reports CO₂-eq emissions because other emissions are not materially relevant.
305-3	Other indirect (Scope 3) GHG emissions	4.9 Environmental performance 7.5 Facts and figures	a.s.r. only reports CO₂-eq emissions because other emissions are not materially relevant.
305-4	GHG emissions intensity	4.9 Environmental performance 7.5 Facts and figures	Omission: 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 CO₂-eq/m € is used.
305-5	Reduction of GHG emissions	4.9 Environmental performance 7.5 Facts and figures	The GHG reduction per year can be derived from the figures in section 7.5 of this annual report. a.s.r. has chosen 2018 as the base year because it signed the Svalbard Ambition in that year.
305-6	Emissions of ozone-depleting substances (ODS)	Not applicable	Given a.s.r.'s business activities, emissions of ozone-depleting substances (ODS) are not material for a.s.r.
305-7	Nitrogen oxides (NOx), sulfur oxides (SOx), and other significant air emissions	Not applicable	Given a.s.r.'s business activities, nitrogen oxides (NO_x), sulfur oxides (SO_x), and other significant air emissions are not material for a.s.r.

GRI 401: Employment 2016

GRI		Disclosure Annual Report	Notes
Material topic: Contributing to (sustainable) employability
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.3 Creating a vital and futureproof workforce 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
401-1	New employee hires and employee turnover	3.3 Creating a vital and futureproof workforce 7.5 Facts and figures	Omission: Information unavailabe. a.s.r. publishes new employee and turnover figures on a total level as vacancies filled by external candidates. Employee turnover is reported as percentage, a distinction is made in voluntary and involuntary turnover. No distinction is made between age, gender and region. Systems and reports need to be developed or adapted to report the requested information.
401-2	Benefits provided to full-time employees that are not provided to temporary or part-time employees	Not applicable	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	--	Omission, information unavailable. detailed information on the extent to which parental facilities are used is not available. Parental leave is part of a.s.r.'s CLA.

GRI 403: Occupational Health and Safety 2018

GRI		Disclosure Annual Report	Notes
Material topic: Supporting vitality
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics 3.1 Aspiring to be the best financial service provider 3.3 Creating a vital and futureproof workforce 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
403-1	Occupational health and safety management system	3.3 Creating a vital and futureproof workforce	Given the nature of the work within a.s.r., occupational health and safety is mainly focused on creating a working environment in which both internal and external employees feel safe. a.s.r. monitors the feeling of safety among employees via e-Mood measurements throughout the year.
403-2	Hazard identification, risk assessment, and incident investigation	Not applicable	Given a.s.r.'s business activities, work-related hazards and hazardous situations are not material for a.s.r.
403-3	Occupational health services	3.3 Creating a vital and futureproof workforce	Given the nature of the work within a.s.r., occupational health and safety is mainly focused on creating a working environment in which both internal and external employees feel safe. a.s.r. monitors the feeling of safety among employees via e-Mood measurements throughout the year.
403-4	Worker participation, consultation, and communication on occupational health and safety	3.3 Creating a vital and futureproof workforce	a.s.r. complies with the Dutch Working Conditions Act defining healthy and safe working conditions. In addition, a.s.r. takes responsibility for a healthy and safe workplace when working from home by lending office furniture.
403-5	Worker training on occupational health and safety	3.3 Creating a vital and futureproof workforce	The online a.s.r. acadamy contains a wide range of training and education courses from which a.s.r. employees can choose. Some of these training courses relate to working safely, recognising stress in the workplace. There is also a wide range of opportunities to improve employee vitality through a.s.r. Vitality. The vitality programme in which a.s.r. employees can participate free of charge.
403-6	Promotion of worker health	3.3 Creating a vital and futureproof workforce	The online a.s.r. acadamy contains a wide range of training and education courses from which a.s.r. employees can choose. Some of these training courses relate to working safely, recognising stress in the workplace. There is also a wide range of opportunities to improve employee vitality through a.s.r. Vitality. The vitality programme in which a.s.r. employees can participate free of charge.
403-7	Prevention and mitigation of occupational health and safety impacts directly linked by business relationships	Not applicable	Given a.s.r.'s business activities, occupational health and safety impacts directly related to activities, products or services by business relationships, and the related hazards and risks are not material for a.s.r.
403-8	Workers covered by an occupational health and safety management system	Not applicable	a.s.r. has no occupational health and safety system implemented.
403-9	Work-related injuries	Not applicable	Given the nature of work within a.s.r. (mainly desk work), work-related accidents are not a material issue for the organisation.
403-10	Work-related ill health	3.3 Creating a vital and futureproof workforce	Within a.s.r., extra attention is given to preventing psychological absenteeism by focusing on a safe workplace and promoting inclusiveness so that everyone feels at home. When pshychic absenteeism does occur, careful counselling takes place.

GRI 404: Training and education 2016

GRI		Disclosure Annual Report	Notes
Material topic: Contributing to (sustainable) employability.
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics 3.3 Creating a vital and futureproof workforce 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
404-1	Average hours of training per year per employee	3.3 Creating a vital and futureproof workforce 7.5 Facts and figures	Omission: Information incomplete. 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.
404-2	Programs for upgrading employee skills and transition assistance programs	3.3 Creating a vital and futureproof workforce
404-3	Percentage of employees receiving regular performance and career development reviews	3.3 Creating a vital and futureproof workforce	Omission: Information incomplete. 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.

GRI 405: Diversity and Equal Opportunity 2016

GRI		Disclosure Annual Report	Notes
Material topic: Fostering diversity and inclusion.
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.3 Creating a vital and futureproof workforce 5.1 Corporate Governance 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
405-1	Diversity of governance bodies and employees	7.5 Facts and figures
405-2	Ratio of basic salary and remuneration of women to men	--	Omission: Information incomplete.a.s.r. reports the hourly wages of men and women at different levels in the organisation in euros. From this, the requested ratios can be derived. In addition to this reporting, a.s.r. has published Gender GAP analyses showing that women and men are remunerated equally.

GRI 406: Non-discrimination 2016


Material topic: Fostering diversity and inclusion
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.3 Creating a vital and futureproof workforce 5.1 Corporate Governance 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
406-1	Incidents of discrimination and corrective actions taken		Omission, information unavailable. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual Report.

GRI 413: Local communities 2016

GRI		Disclosure Annual Report	Notes
Material topic: Contributing to financial self-reliance.
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.1 Becoming the best financial service provider 3.2 Being a responsible investor 3.5 Operating as a trusted company 7.5 Facts and figures 7.9 Materiality analysis and stakeholder dialogue
413-1	Operations with local community engagement, impact assessments, and development programs	3.1 Becoming the best financial service provider 3.2 Being a responsible investor 3.5 Operating as a trusted company 7.9 Materiality analysis and stakeholder dialogue	Omission, data unavailable: At the moment, the necessary data is not yet available. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual Report.
413-2	Operations with significant actual and potential negative impacts on local communities	Not applicable	a.s.r. has no operations with significant actual and potential negative impacts on local communities.

GRI 417: Marketing and Labeling 2016

GRI		Disclosure Annual Report	Notes
Material topics: Meeting customer needs. Socially responsible investments. Developing and promoting sustainable products/services
3-3	Management of material topics	2.4 Value creation model 2.7 Material topics and SDGs 3.1 Becoming the best financial service provider 3.2 Being a responsible investor 4.9 Environmental performance 7.9 Materiality analysis and stakeholder dialogue
417-1	Requirements for product and service information and labeling	3.1 Becoming the best financial service provider 3.2 Being a responsible investor	Omission not applicable: As a service provider in the insurance market, some of the information requested here is not relevant to a.s.r. No figures are reported on the proportion of products with a social or environmental impact.
417-2	Incidents of non-compliance concerning product and service information and labeling	3.1 Becoming the best financial service provider 3.2 Being a responsible investor 6.7 Other notes 7.5 Facts and figures	Information incomplete because a.s.r. does not publish figures on incidents of non-compliance and any resulting action. a.s.r. will investigate whether the existing ommission can be resolved before publication of the 2023 Annual report.
417-3	Incidents of non-compliance concerning marketing communications		Omission, not applicable: a.s.r. did not actively collect the requested data. Future work will look at how reporting can be completed on this component.