Mission and strategy
Mission Achmea
Achmea is a broad financial service provider that helps people move forward with their lives when it matters most. Together with our customers and partners, we solve major social issues relating to health, living and working, mobility and income. This is how we create sustainable value for our customers, our employees, our company and society. Previous generations could rely on us, and future generations will be able to as well.
Achmea Bank
Achmea Bank is part of the Achmea‘s Retirement Services strategy (ODV) and makes a significant contribution to the themes of carefree living and working, and income for today and tomorrow. We primarily do this through the Centraal Beheer brand. Centraal Beheer strengthens the Bank’s strategy while the Bank reinforces Achmea’s positioning as a broad financial service provider offering not only insurance but also a wide range of financial products.
Mission Achmea Bank
Achmea Bank believes that everyone should have the financial means to live a carefree life now, and in the future. We achieve this by working with our partners to provide solutions for wealth accumulation and home ownership. We offer our customers simple, transparent, and modern mortgage and savings products, as well as investment services.
Strategy Achmea Bank
Achmea Bank acts as the retail bank for Achmea, plays a key role in the ODV strategy, and operates as a data-driven network bank with a clear growth ambition. We continuously invest in data, digitalization, and AI. Through strategic partnerships in mortgages, savings, and investments, we can serve our customers optimally, remain flexible, and create opportunities for further growth. At the same time, we safeguard our solid financial position and embed compliance and risk management in our operations.
Profitable growth in mortgages is a crucial part of our strategy, with a primary focus on the Achmea Mortgages Investment Platform (AMIP, Centraal Beheer Leef Hypotheek). To enhance strategic flexibility, we also invest in mortgages via external platforms and acquire mortgage portfolios. Achmea Bank additionally targets customers in specific market segments (niche markets).
For our fee-income strategy, we focus on expanding the number of external investors in the separate account AMIP (Centraal Beheer Leef Hypotheek) and in the “PVF Particuliere Hypothekenfonds” (Syntrus Achmea Hypotheek), as well as on the growth of Attens mortgages, specifically targeted at healthcare sector employees. Offering investment services for the retail market is also part of this strategy.
We develop and manage retail products for savings and investments within the third and fourth pension pillars, offered through Centraal Beheer. This addresses the growing need for individual financial solutions for income for today and tomorrow. These savings products also make an important contribution to financing our mortgage portfolio. To further diversify our funding sources, we offer term deposits under the Achmea Bank brand via a European savings platform.
Our strategy is aimed at integrating ESG principles (Environmental, Social, and Governance) into the governance, risk management, and operational steering of our organization. Achmea Bank is committed to creating sustainable impact and aims to achieve a 33% CO₂ reduction by 2030 compared to 2022. We contribute to societal goals by helping customers make their homes more sustainable, raising awareness of climate risks and adaptation, and supporting customers in preventing mortgage payment issues.
Identity
At Achmea Bank, we pay a lot attention to a culture in which customer interest is central. This not only concerns customer friendliness and customer satisfaction, but also the offering of simple products and excellent and reliable service.
Our employees are honest, knowledgeable and professional. The duty of care towards the customer is anchored in our culture. This is an integral part of our identity, vision and daily business operations, where the interests of all stakeholders are taken into account.
Our core values are 'professional, together and result-oriented. That is what distinguishes us in our way of working.