ASR swings to €130 mln profit in H1 2025 on pension buy-outs, lower costs

Published 20/08/2025, 07:50
© Reuters.

Investing.com -- ASR Nederland (AS:ASRNL) on Wednesday posted a net profit of €130 million in the first half of 2025, reversing a €70 million loss a year earlier, as results improved across all business segments and the integration of Aegon (NYSE:AEG) Nederland entered its final phase.

The insurer said operating profit rose 22% to €826 million from €677 million in the same period of 2024. 

The life segment delivered the largest increase, up 25.6% to €618 million, supported by pension buy-outs and stronger investment income.

The non-life segment added €261 million, an 11.1% rise, while fee-based business units contributed €87 million, up 18.1%.

Total (EPA:TTEF) premium and defined contribution inflow increased 60.1% to €8.7 billion, largely due to €2.8 billion in pension buy-outs. 

Inflow in the life segment more than doubled to €5.3 billion, while property and casualty and disability premiums grew 4.1% to €2.56 billion. Mortgage origination rose to €4.5 billion from €4.3 billion a year earlier.

Capital levels strengthened in the period. The Solvency II ratio stood at 203% at the end of June, up from 198% at the end of 2024. 

Organic capital creation increased 9.6% to €721 million. The company completed a €125 million share buyback in May and raised its interim dividend by 9.5% to €1.27 per share, in line with its stated policy.

Operating expenses declined 0.9% to €699 million, reflecting cost synergies from the Aegon Nederland integration, partly offset by wage and price inflation. 

The integration of business lines in non-life, disability, asset management, and staff departments has been completed, while pensions, life and mortgages are in advanced stages. 

The company said all remaining activities will be transferred to ASR platforms by the first half of 2026.

Chief executive Jos Baeten said the company achieved “strong operational and strategic progress” in the first half of 2025, pointing to pension buy-outs, occupational health acquisitions and a strengthened position in Dutch real estate. 

He said the integration of Aegon Nederland is in its final stage and on track for completion in 2026.

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