Implementation of CRR3 results in higher CET1 ratio and TCR for Achmea Bank
Tilburg, 17 July 2025 - The introduction of the new Capital Requirements Regulation 3 (CRR3) will have a positive impact on both the Common Equity Tier 1 ratio (CET1 ratio) and the Total Capital Ratio (TCR) for Achmea Bank. Primarily for this reason, both capital ratios increased pro forma as of 30 June 2025 by 2.6 and 3.0 percentage points respectively, in comparison to the CRR2 capital ratios on 31 December 2024.
This increase is mainly due to the change in risk weightings for mortgages. Under CRR3, risk weightings for loans up to 55% loan-to-value (LTV) are 15 percentage points lower than under CRR2.
The improvement of the capital position at Achmea Bank also positively influences Achmea Group's solvency ratio. On a pro forma basis, this ratio would have been 4 percentage points higher under the new rules as of 31 December 2024.
This increase is mainly due to the change in risk weightings for mortgages. Under CRR3, risk weightings for loans up to 55% loan-to-value (LTV) are 15 percentage points lower than under CRR2.
The improvement of the capital position at Achmea Bank also positively influences Achmea Group's solvency ratio. On a pro forma basis, this ratio would have been 4 percentage points higher under the new rules as of 31 December 2024.