Annual Report
Dit is de tijd van doen.
ASR Nederland N.V.
Archimedeslaan 10 P.O. Box 2072 3500 HB Utrecht The Netherlands
www.asrnl.com
Annual Report
Contents
1 | About a.s.r. | 5 | 6 |
1.1 | At a glance | 6 | 6.1 |
1.2 | Message from the CEO | 8 | 6.2 |
6.3 | |||
2 | Operating environment | 10 | 6.4 |
2.1 | Value creation model | 11 | 6.5 |
2.2 | The story of a.s.r. | 12 | 6.6 |
2.3 | Portfolio and execution of strategy | 14 | 6.7 |
2.4 | Key trends impacting a.s.r.'s operations | 16 | 6.8 |
2.5 | Strategic targets and performance | 18 | 6.9 |
2.6 | Material topics | 23 | 6.10 |
2.7 | Contribution to the Sustainable | 6.11 | |
Development Goals | 27 | ||
7 | |||
3 | Sustainable value creation | 29 | 7.1 |
3.1 | Sustainable insurer | 32 | 7.2 |
3.2 | Sustainable investor | 38 | 7.3 |
3.3 | Sustainable employer | 43 | |
3.4 | Trustworthy company | 51 | 7.4 |
3.5 | Investor community | 60 | |
3.6 | Role in society | 64 | 7.5 |
7.6 | |||
4 | Business performance | 66 | 7.7 |
4.1 | Group and segment performance | 67 | 7.8 |
4.2 | Risk management | 89 | 7.9 |
4.3 | Compliance | 95 | 7.10 |
4.4 | EU Taxonomy Regulation | 97 | 7.11 |
4.5 | Climate change | 102 | 7.12 |
4.6 | Statements of the Executive Board | 106 | |
5 | Governance | 107 | |
5.1 | Corporate Governance | 108 | |
5.2 | Supervisory Board report | 118 | |
5.3 | Remuneration report | 124 | |
5.4 | Employee participation | 131 |
Contact details 340
Financial statements 132
Introduction 135
Consolidated financial statements 137
Accounting policies 144
Group structure and segment information 164
Notes to the consolidated balance sheet 175
Notes to the consolidated income statement 203
Other notes 211
Risk Management 230
Capital management 262
Operating result 267
Company financial statements 269
Additional information 277
Independent auditor's report 278
Assurance report of the independent auditor 295 Provisions of the Articles of Association
regarding profit appropriation 299 Report of the Stichting Continuïteit ASR
Nederland 301
Facts and figures 303
About this report 316
Glossary 318
Abbreviations 323
Materiality analysis and stakeholder dialogue 325
GRI Content Index 328
TCFD recommendations 337 EU Directive: disclosure on non-financial and
diversity information 338
This document is the PDF / printed version of the 2021 Annual Report of a.s.r. and has been prepared for ease of use and does not contain ESEF information as specified in the Regulatory Technical Standards on ESEF (Delegated Regulation (EU) 2019/815). The 2021 Annual Report was made publicy available pursuant to section 5:25c of the Dutch Financial Supervision Act (Wet op financieel toezicht), and was filed with Netherlands Authority for the Financial Markets in European single electronic reporting format (the ESEF package). The ESEF package is available onwww.asrnl.comand includes a human readable XHMTL version of the 2021 Annual Report. In any case of discrepancies between this PDF version and the ESEF package, the latter prevails.
The financial statements for 2021 as included in this Annual Report are on the agenda for adoption at the Annual General Meeting of shareholders of 25 May 2022.
Annual Report 2021 | Contents
4
1
About a.s.r.
Purpose
a.s.r. helps customers share risks and accumulate capital for later. The sustainable solutions that a.s.r. offers take into account the interests of people, environment, society and future generations.
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Disclaimer
ASR Nederland NV published this content on 23 March 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 12 April 2022 14:01:10 UTC.