In this section, you will find all relevant information of interest to analysts and debt investors.
You can access items such as our funding programs, ratings and rating reports and investor presentations.
The Investor Relations team is of course available to answer any additional question you might have concerning these subjects.
Disclaimer Investor Relations
Solvency and Financial Condition Report (SFCR)
Solvency II, the risk-based supervisory framework for the insurance sector that came into effect on 1 January 2016, requires insurers to determine a solvency capital requirement (SCR) that it is sufficient to cover any losses in a one-year horizon with 99.5% confidence. Insurers can choose whether they use the standard formula or an internal model to determine the SCR. The standard formula consists of pre-defined shocks for a number of relevant risk types (insurance, financial and operational risk) and a relatively simple aggregation methodology. Calculations starts from a market-consistent balance sheet with assets and liabilities valued at fair value to the extent possible. By using an internal model, or a partial internal model, insurers can develop their own methodology for determining the SCR. Besides this quantitative part of the framework, the governance requirements and in particular the need for having in place an adequate risk management system and function are equally important. Finally, the third pillar of the Solvency II framework imposes a number of reports in view of informing the relevant stakeholders (supervisor, clients, investors, …) in a transparent way, hence fostering market discipline. One of these reports, the Solvency and Financial Condition Report (SFCR) is now available. It is meant to provide the reader insight in the business of AG Insurance, the way the Company is organized, the structure and components of the risk management in place, the risks it deals with and last but not least its financial soundness as reflected in the solvency ratio.
AG Insurance Solvency and Financial Condition Report (SFCR) 2018
AG Insurance Verslag over de solvabiliteit en de financiële toestand (SFCR) 2018
AG Insurance Solvency and Financial Condition Report (SFCR) 2016.
AG Insurance Verslag over de solvabiliteit en de financiële toestand (SFCR) 2016
AG Insurance Solvency and Financial Condition Report (SFCR) 2017.
AG Insurance Verslag over de solvabiliteit en de financiële toestand (SFCR) 2017.