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After more than 45 years at a.s.r. and its predecessors, I close this chapter with gratitude and pride. It has been a privilege to help build the solid, future proof organisation we are today. Having worked closely with Ingrid de Swart in the Executive Board for the past six years, I have full confidence in her as my successor.

The mission of a.s.r. is to help customers insure risks they are unwilling or unable to bear themselves, and to accumulate capital for later. This value creation model illustrates how a.s.r. translates this mission into long term value for its stakeholders. It provides a clear overview of how a.s.r. transforms resources into responsible outcomes, reinforcing the organisation’s purpose and responsibilities.

COO/CTO Ingrid de Swart describes 2025 as ‘a pivotal year’ when asked about Artificial Intelligence. In January, the Management Board and Supervisory Board attended an intensive AI programme at INSEAD. ‘For three days, we immersed ourselves in this technological development. Inspired by its opportunities, we concluded that this is something worth pursuing.’ In the months that followed, large groups of employees received training, INSEAD professors gave lectures, and colleagues developed practical AI use cases. These range from customer service and employee self-service to applications at the core of the organisation, such as the Smart Claims Assistant.

a.s.r. real estate is working towards a CO₂-neutral property portfolio by 2045 at the latest. To highlight the ‘hidden costs’ of CO₂-emissions, a.s.r. real estate launched a pilot in spring 2025: for each investment, the building’s CO₂-emissions are calculated and expressed in euros. Patrick de Baat, Sustainability Manager at a.s.r. real estate, shares insights into the value of internal carbon pricing. ‘Internal carbon pricing is a way of assigning a monetary value to the CO₂-emissions generated by business activities. CO₂-emissions can be difficult to interpret, but everyone understands euros.’

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