Annual Report
2022
Sections
Interviews
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At a glance
Message from the CEO
About a.s.r.
Sustainable value creation
Business performance
Governance
Financial statements
Additional information
The story of a.s.r.
Business portfolio
Key trends impacting a.s.r.'s operations
Value creation model
Strategic targets and performance
Key stakeholders
Material topics and SDGs
Becoming the best financial service provider
Being a responsible investor
Creating a vital and futureproof workforce
Informing the investor community
Operating as a trusted company
ASR Nederland N.V.
Non-life
Life
Asset Management
Distribution and Services
Holding and Other
Risk management
Compliance
Environmental performance
Statements of the Executive Board
Corporate governance
Supervisory Board report
Remuneration report
Employee participation
Introduction
Consolidated financial statements
Accounting policies
Group structure and segment information
Notes to the consolidated balance sheet
Notes to the consolidated income statement
Other notes
Risk management
Capital management
Operating result
Company financial statements
Independent auditor's report
Assurance report of the independent auditor
Provisions of the Articles of Association regarding profit appropriation
Report of the Stichting Continuïteit ASR Nederland
Facts and figures
About this report
Abbreviations
Glossary
Materiality analysis and stakeholder dialogue
GRI content index
TCFD recommendations
EU Directive 2014/95/EU
Contact details
Business domains in Non-life with stable cash flow and growth potential
Fee-based business with growth potential
Robust and predictable service books, with a substantial contribution to the profitability of a.s.r.
Material topics
Contribution to the Sustainable Development Goals
Sustainable products and services
Prevention of payment problems
Complaints management
IT and the digital strategy
Asset management
Real estate
HR policy and strategy
Employee engagement
Working conditions
Remuneration
Socially responsible taxpayer
Human rights
Political engagement
a.s.r. foundation
Financial performance
Financial performance
P&C
Disability
Health
Financial performance
Funeral and Individual life
Pensions
Financial performance
Asset Management
Real Estate
Mortgages
Financial performance
Distribution and Services
Financial performance
Risk governance
Risk appetite
Identified risks
Compliance risks
Privacy
Awareness
Integrity and ethical conduct
Taxonomy Regulation
Climate change
Carbon footprint own operations
General
Executive Board
Supervisory Board
Corporate Governance Codes and Regulations
Meetings of the Supervisory Board
Supervisory Board Committees
Introduction
Remuneration policy
Executive Board
Supervisory Board
General information
Statement of compliance
Consolidated balance sheet
Consolidated income statement
Consolidated statement of comprehensive income
Consolidated statement of changes in equity
Consolidated statement of cash flows
Changes in presentation
Changes in EU endorsed published IFRS standards and interpretations effective in 2022
New standards, interpretations of existing standards or amendments to standards, not yet effective in 2022
Key accounting policies
Other accounting policies
Group structure
Segmented balance sheet
Segmented income statement and operating result
Non-life ratios
Acquisitions
Intangible assets
Property, plant and equipment
Investment property
Associates and joint ventures
Investments
Investments on behalf of policyholders
Investments related to investment contracts
Loans and receivables
Derivatives
Deferred taxes
Other assets
Cash and cash equivalents
Equity
Subordinated liabilities
Insurance liabilities
Liabilities arising from investment contracts
Employee benefits
Provisions
Borrowings
Due to customers
Due to banks
Other liabilities
Gross insurance premiums
Investment income
Realised gains and losses
Fair value gains and losses
Fee and commission income
Other income
Net insurance claims and benefits
Operating expenses
Impairments
Interest expense
Other expenses
Income tax (expense) / gain
Fair value of assets and liabilities
Offsetting of financial assets and liabilities
Fair value of financial assets categorised into two groups based on business model and SPPI test results
Related party transactions
Key management personnel remuneration
Employee share purchase plan
Contingent liabilities and assets
Events after the balance sheet date
List of principal group companies and associates
Profit appropriation
Risk management system
Insurance risk
Market risk
Counterparty default risk
Liquidity risk
Operational risk
Strategic and operational risk management
Capital management objectives
Solvency ratio and a.s.r. ratings
Additional information
Company balance sheet
Company income statement
Notes to the company financial statements
Financial indicators
Customer-related indicators
Human Resources indicators
Responsible investor indicators
Investor community indicators
Environmental indicators
Sustainability ratings
Contact
Publication
Annual Report 2022
Governance
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Message from the CEO
About a.s.r.
Sustainable value creation
Business performance
Governance
Financial statements
Additional information
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