Ratings and benchmarks

The policies and practices of a.s.r. are regularly assessed by independent organisations. Below is an overview of all ratings and benchmarks in which a.s.r. participates.

Dow Jones Sustainability Index (World en Europe)
Sustainalytics
MSCI
ISS ESG
FTSE4Good
CDP (see also CDP disclosure 2024)
VBDO Responsible Investments
VBDO Tax transparency
Fair Insurance Guide (Eerlijke verzekeringswijzer)

See the table below for an overview of our scores and respective positions for the ESG benchmarks. Scores as of September 2025.

Benchmark

Score

Score high

Score Low

Dow Jones Sustainability Index (World en Europe)

83 (#8)

100

Sustainalytics

12,3 (#8)

100

MSCI

AAA

CCC

ISS ESG

B- (Prime)

A+

D-

FTSE4Good

4.2

CDP (see also CDP disclosure 2024)

D-

VBDO Responsible Investments

4,4 (#1)

VBDO Tax transparency

31 (#14)

Fair Insurance Guide (Eerlijke verzekeringswijzer)

8,3 (#1)

The section shows additional information that has not yet been published in other sources, to increase transparency in the ESG activities of a.s.r.

Description

2021

2022

2023

2024

NPS-c (a.s.r. group)

49

51

48

52
'Climate change and energy transition' is one of the three core themes within a.s.r.'s sustainability policy. In this climate report, a.s.r. discloses its policy, objectives, activities, performance and its climate risks. In addition, the report provides a clear picture of how a.s.r. is committed to combatting climate change, by reducing CO2 emissions, by helping its customers to protect themselves against climate related risks and by promoting the energy transition.

Lobbying for Climate Aligment

a.s.r. is member of several industry associations and participates actively within those organisations in working groups, ad hoc platforms and at a board level. This strong participation allows a.s.r. to monitor and influence the alignment with the Paris Agreement. Two executive board members of a.s.r have a position within an industry association (Annual Report 2024, page 101).

These and other organizations in which a.s.r. participates have sustainability high on the agenda and to that extent the strategic direction in the field of sustainability is the same. Where the ambitions of industry organizations differ from those of a.s.r., there is always room to be more ambitious individually and 'to lead by example'. At the same time, industry associations provide a platform to learn from each other and help in the sustainability transition.

In the lobbying activities that a.s.r. takes into account the alignment with the Paris Agreement.

Platform for Sustainable Finance

Financial sector, regulators and ministries together play a role in making the Netherlands more sustainable. They cooperate with each other within the Platform for Sustainable Finance.

The platform chooses themes on which working groups will work. Each working group includes broad representation from the financial sector and other relevant parties, such as central government. The members work out a theme together and present their findings.

a.s.r. actively participates in several working groups under the sustainable finance platform, for example the national climate adaptation working group.

More information see the website of the DNB.
- Climate transition plan
Description

2021

2022

2023

2024

Total non-renewable energy consumption (in MWh)

0

0

0

3,863

Total renewable energy consumption (in MWh)

8,404

8,425

8,219

11,947

Data coverage (in %)

92

92

90

100

Energy consumption intensity (KWh/m² floor area)

91

92

89

95
a.s.r. consciously and visibly chooses to separate waste on site. The hygiene partner is responsible for the separate collection and processing of waste materials at a.s.r.'s site, ensures an optimal container park and that the containers are suitable for all desired waste streams. Post-separation of waste is not desired for this reason due to the separation of waste on site.

The following waste streams are collected separately:
1. Confidential paper
2. PMD
3. Swill
4. Glass
5. Paper/cardboard
6. Industrial waste
7. Specific waste for remodeling projects
8. Small hazardous office waste
9. Construction and demolition waste
The waste is collected by a specialised waste company. They weigh the waste and upload the information in their portal. This enables a.s.r. to monitor the waste and recycling and take action if necessary.

Waste disposal

Metric

2021

2022

2023

2024

Total waste recycled/reused (Metric tonnes)

35

46

71

768.5

Total waste disposed (Metric tonnes)

59

76

93

220

- Waste landfilled (Metric tonnes)

0

0

0

0

- Waste incinerated with energy recovery (Metric tonnes)

59

76

93

220

Data coverage as % of denominator (Percentage of employees FTE)

92

92

92

100

The target for 2024 for total waste disposal in metric tonnes is 125. Despite the higher occupancy rate at the office, the ambition is to maintain and improve the amount of waste and improve the waste separation process.
Description

2021

2022

2023

2024

Water consumption (in cubic meters)

9,261

12,765

13,057

12,398
Please refer to links below for a.s.r.'s activities concerning corporate citizenship and philanthropy.
Products/services related to financial inclusion

Type of products/services

Description

Targeted clients

Number of clients reached

Number of transactions/ contracts

WelThuis startershypotheek

A product tailor-made for first-time buyers with a maximum term of 40 years. This product helps young first time buyers who otherwise would not have easy access to the market. New entrants to the residential market are given a longer repayment term to make their housing costs more affordable.

Young people

1,996

398

Lifetime interest mortgage

This mortgage is mainly aimed at elderly people. The interest rate of your loan is fixed for life as long as you and your partner live in the house. You pay this interest every month to a.s.r. The interest is not added to your loan. So your debt does not increase. Because your interest rate is fixed for life, you never get an interest rate change. You pay the same interest on the loan every month and therefore the same amount every month. So you don't have to worry that your monthly expenses will increase later.

Elderly people

5,209

373

Sustainability Mortgage

Mortgage customers can take out a loan at an extra-low rate of interest to make their homes more sustainable. This mortgage is aimed at people who otherwise would not be able to afford mandatory sustainability measures for their house.

Poor and low-income individuals

9,557

1,706

Non-financial support

Type of non-financial support

Description

Targeted clients

Quantitative social impact KPI

Description
of the quantitative
social impact KPI

#1 Business Management tools or trainings

Due to the combination of a.s.r. and Aegon NL the societal programs of both companies that contributes to financially resilience were interwoven into ‘Doenkracht’:

In our 5 branch cities we collaborate with local partners with an initiative aimed at mitigating (potential) financial issues of citizens. These partners operate according to a methodology and aim for demonstrable impact growth. The partners contribute to a.s.r.'s Theory of Change .

Poor and Low income individuals

N/A

Although the aim of this part of Doenkracht is to work on social impact, the purpose is NOT to come to a QUANTITATIVE KPI. The social impact is created at participant level via the projects and programs; which a.s.r. supports financially and with an educational program on creating impact (by Impact House, Grant Thornton).

#2 Financial or digital literacy training

Half of all people with financial problems have a low literacy rate. a.s.r. believes that financial education and developing language in children and young people is crucial and helps parents to teach their children to become financially literate.

Other underserved groups

236

In 2024, 236 (2023: 308) a.s.r. employees volunteered 4,925 hours (2023: 5,930) for example by giving guest lectures at schools or becoming a financial buddy (financial home visitor).

#3 Technical assistance

There are many vulnerable groups in the Netherlands who need help and encouragement. Community-based organizations, which provide such support, often depend on volunteers. a.s.r. encourages its employees to give their time and effort to these causes, which is called Helping by Doing. Volunteers within a.s.r. can choose from more than forty society projects set out by social organisations that could use some assistance, such as taking elderly out for a refreshing walk in the forest or pick fruit with people with intellectual disabilities.

Other underserved groups

1,326

In 2024 1,299 (2023: 1,326) a.s.r. employees volunteered in 137 (2023: 134) different activities for a total of 8,873 hours (2023: 6,765).
The Emerging Risks report contain the a.s.r. emerging risks for 2025, which are derived from the outcome of the strategic risk analysis 2025. The full outcome of the strategic risk analysis 2025 will be published in the Annual Report 2025.
Read our Sustainable taxpayer statement.
Having a talented, qualified and vital workforce is key for a.s.r. in achieving its business objectives. a.s.r. is committed to attracting, retaining and inspiring the most suitable employees, by offering ample training and development opportunities and facilitating a sound work/life balance.

a.s.r. is committed to an inclusive culture. Not only is employee competence essential to a.s.r.'s success, but also their differentiation from each other. Different views, cultures, knowledge and experiences contribute to realising a.s.r.’s objectives. All are positively used and deployed in innovative solutions for our customers.

Read more about Human Resources