Achmea Bank receives DNB approval for use of A-IRB model in capital calculations
Tilburg, 19 February 2026 – After De Nederlandsche Bank (DNB) granted Achmea Bank the Advanced
Internal Rating-Based (A-IRB) status in September 2023, it has now also approved the bank’s
calculation of required capital. This approval follows from an extensive assessment by DNB.
The new model will be implemented in March 2026 and has a positive effect on both the Common Equity Tier 1 ratio (CET1 ratio) and the Total Capital Ratio (TCR) of Achmea Bank. Based on the figures as at 30 June 2025, the pro forma ratios increase by 3.7 and 4.3%-points respectively, to 21.1% and 24.6%. This calculation takes into account the previously announced dividend payment of € 75 million in November 2025. The pro forma impact on Achmea’s group solvency amounts to 3%-points as at 30 June 2025.
The new model will be implemented in March 2026 and has a positive effect on both the Common Equity Tier 1 ratio (CET1 ratio) and the Total Capital Ratio (TCR) of Achmea Bank. Based on the figures as at 30 June 2025, the pro forma ratios increase by 3.7 and 4.3%-points respectively, to 21.1% and 24.6%. This calculation takes into account the previously announced dividend payment of € 75 million in November 2025. The pro forma impact on Achmea’s group solvency amounts to 3%-points as at 30 June 2025.