Une stratégie de croissance pour le long terme

Impact24 est une stratégie de croissance durable à long terme. Les choix et les investissements que nous faisons ne concernent pas uniquement les trois prochaines années, mais aussi les années qui suivent, jusqu’en 2030 et au-delà. Les actes que nous posons aujourd’hui doivent sont les fondations de ce que nous voulons réaliser à l’avenir.

Une stratégie de croissance pour le long terme

Notre nouveau plan stratégique Impact24 démarrera en 2022. Ce plan repose lui-même sur une base solide, notre ADN et notre activité principale (« core »), dans le contexte d’une performance soutenue. Notre groupe présente un profil unique avec une combinaison de marchés matures et de marchés à forte croissance. Cela nous permet d’aller plus loin, de viser plus haut, d’investir et d’atteindre notre niveau d’ambition suivant. 

Avec Impact24, nous comptons libérer tout le potentiel que recèle notre activité actuelle, élargir notre portée et monter en échelle de la bonne façon. Nous appliquons tout ce que nous avons appris à propos de l’avenir et nous traduisons ces enseignements en opportunités à long terme et en investissements dans de nouveaux moteurs de croissance qui complètent nos points forts tout en ajoutant de nouvelles capacités en cours de route.

En annonçant Impact24, nous marquons la prochaine étape de notre développement en tant que groupe, en partant d'une position de force et de performance soutenue. En définitive, nous faisons des choix et des investissements pour le long terme, et pas seulement pour les trois prochaines années. C'est la force de notre cœur de business qui nous donne la confiance et la capacité d'investir dans la croissance future et une ambition plus élevée. Nous savons que nous pouvons faire encore plus. Mais nous ne nous préoccupons pas seulement de ce que nous faisons, mais aussi de la manière dont nous le faisons. Ainsi, le développement durable est au cœur de notre modèle d'entreprise. Il aura un impact sur la manière dont nous concevons nos produits, sur les investissements que nous réalisons, sur nos partenariats à long terme et sur l'environnement que nous voulons créer pour permettre à nos collaborateurs de se développer. En fin de compte, nous voulons offrir un rendement durable aux actionnaires. 2024 est une année charnière pour Ageas. Elle marque la fin du plan Impact24 mais aussi une étape importante dans notre histoire puisque nous célébrons nos 200 ans d'existence en tant qu'assureur. Impact24 nous permet de réfléchir à ces 200 dernières années mais aussi de prendre aujourd'hui des mesures qui auront un impact sur notre avenir.

Hans De Cuyper, CEO d’Ageas, à propos d’Impact24

Impact24 en un clin d'oeil

Impact” for us is about making a meaningful contribution and the right impression in our chosen areas of activity. To be a supporter of the lives of our stakeholders. It is about having a positive impact on the lives of the people we work with - our employees and partners - and the people we work for - our customers, investors, and society at large. Making an impact is also about doing things in the right way and it is why sustainability sits at the heart of everything we do. We have a duty of care and responsibility to future generations.

We believe that Insurance is a people business and that applies to our customers, employees, partners and everyone we interact and work with. We want to provide best-in-class customer experience where it matters most to our customers. And customer and employee satisfaction go hand in hand to drive results.

We consider our people our greatest asset. They are supported by an action-oriented culture and strong values that allow them to make things happen. We want to be considered a great place to grow for our employees, and an inspiring employer in every market in which we operate across all sectors and all demographics.

We aim through Impact24 to unlock the full potential that we know exists within our current business and to broaden our scope andscalein the right way.

As we look at our insurance business today, we believe that our Core remains highly attractive to deliver a substantial part of our financial ambition by 2024.

We took time to understand the certainties and to embrace the uncertainties around future trends, identifying new opportunities where Ageas has the capability to participate and create impact.

This translated into selected long-term opportunities and investment in new growth enginess, adding new capabilities that complement our strengths, to keep Ageas future-proof.

To fuel further growth, we are focusing on opportunities in adjacent business in Health, Protection, Digital platforms & Reinsurance at Group level, with Home, Mobility and Life & Savings being our Local priorities.

For Ageas, working alongside strong partners is part of our DNAand this puts us in a strong position to engage with the current and future winners including the next-gen players who provide access to new pools of customers and growth.

Within our healthy Core we have continuing confidence going forward in banca, brokers and agents, and we will look to foster new alliances in partnerships that allow us to leverage the strengths of Digital platforms and Ecosystems.

To help turbo-charge our progress we will further deploy technology & data and enhance our customer experience by redesigning the end-to-end customer journey.

We will consider a range of different initiatives to improve our distribution and commercial excellence for our customers, while improving the work experience for our employees.

To achieve Impact24, we will tap into the current footprint of the Group while continuing to apply our success formula of local empowerment.

Local is an important part of the way we stay close to our customers, and it provides competitive advantage.

Ageas as a Group brings deep insurance expertise, strong capital management and discipline, extensive distribution knowledge, a culture of partnerships, human capital and importantly a long-term perspective to the local market leading companies.

Our profile as a Group with a mix between mature markets and high growth markets is unique and allows us to go further, set our sights higher, and to invest and achieve our next level of ambition taking a growing share of the market evolution within each country.

We continue to recognise the benefit of a well-diversified and well-balanced portfolio, and the resilience this brings to the Group.

Impact24 is a long-term sustainable growth strategy. The choices and investments we make are not just for the next three years but for the years that follow on through 2030 and beyond.

We will put sustainability considerations at the heart of our decision-making to innovate, understand risk, drive growth, and build a more inclusive and sustainable future.

We have a duty of care and responsibility to future generations, as we had for the past 200 years.

Solvency II ratio
175%
Holding Free Cash Flow, cumulative amount
EUR 1.7 to 2.1 billion
Progressive dividend per share, cumulative amount
EUR 1.5 to 1.8 billion
Average EPS growth
6-8%
Non-Life combined ratio
95%
Life guaranteed margin
85-95 bps
Life unit-linked margin
30-40 bps
Customers NPS
Top quartile
Employee NPS
Top quartile
Impact24 skills plan
100% achieved
Percentage of GWP from products that stimulate the transition to a more sustainable world
25%
Percentage of products that have been reviewed for transparency
100%
Investments making a positive contribution to transition towards a more sustainable world
EUR 10 billion
Level of ESG-integration of our investment decisions
100%
Carbon emissions of our investment portfolio
Net zero by 2050 at the latest
Carbon emissions of our operations (scope 1 & 2)
Neutral
GLASS CEILING INDEX (via Women in Finance):
Ratio % Women in senior management/ total % women in company
70% ratio
Balanced (M/F) Succession pipeline Top 800
50-50
GENDER DIVERSITY INDEX (via Women on Board):
Equal participation of women at decision-making level
Top quartile

We CARE by respecting and helping those around us, whilst staying true to who we are. That means listening and embracing different opinions, putting ourselves in other’s shoes, and building trust by doing the right things every time for our stakeholders.

We SHARE by learning, inspiring and sharing what we know and experience, in a culture that thrives on the concept of continuous learning. We believe in the importance of setting an example through our actions, but also on the benefit of working as a team.

We DELIVER on our promises and we make things happen by staying focused on our priorities and keeping things simple. In everything we do we strive for excellence, aiming to be the best at what matters most to our stakeholders, and holding ourselves fully accountable.

We DARE by pushing boundaries and by daring to take a chance. We learn from our experiences and remain inquisitive about what we can do differently. We create new ideas, and push ourselves beyond what we know today towards what we should know tomorrow.

Supporter of your life
Stakeholders
A top performance in balance for all stakeholders
Choices
Customers & people first
Strengthen & grow the core
Pursue new opportunities for Growth in Health, Protection, Digital platforms & Reinsurance
Partenering with Current & Future winners
Reinforcing Tech & Data capabilities
Local model with Group benefit
Leadership position in Europe & Asia
Sustainability and Long-term thinking at the heart of everything
Targets
4 Financial Targets
3 Operational Targets
3 Non-Financial Targets
8 Sustainability Targets
Values
Care
Share
Deliver
Dare
Supporter of your life