ASR Nederland NV
F:A16

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ASR Nederland NV Logo
ASR Nederland NV
F:A16
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Price: 72.84 EUR -0.33%
Market Cap: €15.4B

ASR Nederland NV
Investor Relations

ASR Nederland is a Dutch insurance company. It sells life insurance, non-life insurance, pensions, and savings and investment products to individuals, employers, and small and mid-sized businesses. It also manages assets linked to these insurance and pension products, which makes it both an insurer and a long-term financial services provider. The company makes money mainly by collecting insurance premiums and fees, then paying claims, policy benefits, and operating costs. On the savings and pension side, it earns income from managing money for customers over long periods. Its customers use asr mainly for protection against risk, retirement income planning, and other long-term financial needs. What makes asr’s business different is that it sits at the center of Dutch household and employer financial protection. It combines traditional insurance with pensions and asset management, so it can keep customers over many years rather than just selling one-off products. That creates a business built on recurring policy relationships and careful management of risk, long-term obligations, and invested assets.

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Last Earnings Call
Fiscal Period
Q2 2026
Call Date
Aug 19, 2026
AI Summary
Q2 2026

Strong half: a.s.r. said first-half results were a “clean” set of numbers, with record OCC of EUR 773 million, record operating result of EUR 901 million, and Solvency II up to 222%.

Guidance intact: Management said it remains on track to deliver 2026 OCC of north of EUR 1.35 billion, helped by business growth, investment return and cost synergies.

Non-Life standout: Premium income rose 6% and the combined ratio for P&C and Disability improved to 91.6%, better than the 92% to 94% target range.

Capital return: The interim dividend was lifted to EUR 1.39 per share, up more than 9%, and the EUR 175 million share buyback was completed.

Bovemij closed: The acquisition of Bovemij completed in July, adding roughly EUR 400 million of annual premiums and expected to contribute around EUR 25 million of run-rate OCC after integration.

Disability caution: Management said the UWV backlog is worsening and will be reassessed in the year-end review, though current claims remain in line with assumptions.

AI and M&A: The new CEO said a.s.r. will stay disciplined on acquisitions, with the Netherlands still the main focus, while AI investment is being scaled from Health across the group.

Key Financials
OCC
EUR 773 million
Operating result
EUR 901 million
Solvency II ratio
222%
Interim dividend per share
EUR 1.39
Share buyback
EUR 175 million
Premium income
6% growth
Combined ratio
91.6%
P&C combined ratio
89.9%
Disability combined ratio
93.3%
Health combined ratio
99.6%
Health customers
more than 700,000
DC pension inflows
EUR 1.5 billion
DC assets under management
EUR 34 billion
Annuity inflows
up 38%
Human TotalCare contribution
EUR 15 million to EUR 20 million
Fee-based business operating result
EUR 150 million
Mortgages production
EUR 3.6 billion
Bovemij annual premiums
roughly EUR 400 million
Bovemij OCC contribution
around EUR 25 million
Bovemij solvency impact
around minus 3.5 percentage points
Other Earnings Calls
2026
2025

Management

Mr. Jos P. M. Baeten L.L.M.
Chairman of the Executive Board & CEO
No Bio Available
Mr. Ewout Hollegien
Member of Executive Board & CFO
No Bio Available
Ms. Ingrid. M. A. de Graaf-de Swart
COO, CTO & Member of the Executive Board
No Bio Available
Ms. R.E. Dekker Rozan
CRO & Member of the Executive Board
No Bio Available
Mr. Willem van den Berg
COO of Life & Member of the Executive Board
No Bio Available
Mr. Patrick Klijnsmit
Chief Executive Officer a.s.r. asset management
No Bio Available
Mr. Michel Hülters
Head of Investor Relations and Ratings
No Bio Available
Boudewijn Van Uden
Managing Director of Corporate Communications
No Bio Available
Ms. Jolanda Sappelli
CHRO & Member of the Executive Board
No Bio Available
Mr. Guido Horst
Managing Director of Ardanta
No Bio Available

Contacts

Address
UTRECHT
Utrecht
Archimedeslaan10
Contacts
+31302579111
asrnederland.nl