• Connectivity of information
• Materiality
• Reliability and completeness

Key observations:

The report positions Achmea’s value creation model within its strategic framework, showing how its values, purpose, and strengths form the basis of its operations, and the value created for different stakeholders. The description of the company’s external environment is used to contextualize the underlying strategic framework and changing trends and consultations with internal and external stakeholders (which are presented in a materiality matrix) form the basis of the company’s strategic choices. For each material issue the company outlines its strengths, weaknesses, opportunities and threats, and against the backdrop of this information sets out its responses and future expectations.

The structure of these sections gives a holistic view of the company’s strategic focus and future orientation and shows which issues impact its ability to create value over time, reflecting paragraph 3.6 of the International <IR> Framework. Information is disclosed about the issues that the company considers have the greatest impact on its ability to create value, reflecting the guiding principle of materiality in paragraph 3.17 of the International <IR> Framework. Achmea conveys this information in a balanced way by being candid about its opportunities and challenges, and what its future expectations are, reflecting the guiding principle of reliability and completeness.