Achmea

Achmea, a Dutch financial intermediation services company, reported total gross carbon emissions of approximately 7.5 billion kg CO2e in 2025. This includes about 7.9 million kg CO2e from Scope 1 emissions, approximately 1.2 million kg CO2e from Scope 2 (market-based), and around 7.5 billion kg CO2e from Scope 3 emissions. In 2024, Achmea's total gross emissions were about 6.3 billion kg CO2e, with Scope 1 emissions at roughly 8.9 million kg CO2e, Scope 2 (market-based) at approximately 1.8 million kg CO2e, and Scope 3 at about 6.3 billion kg CO2e. The emissions data for Achmea is directly reported by Achmea B.V. and is not cascaded from a parent entity.

Achmea has set several ambitious climate commitments:

• Carbon Neutrality: Achmea aims for its organisation to be carbon-neutral by 2030 for Scope 1 and Scope 2 emissions. This commitment is supported by a goal to achieve net zero CO2 emissions by 2030, with remaining emissions offset through planting one million trees via the Land Life Company.
• Emission Reductions:
  • Achmea targets a 68% reduction in Scope 1 and Scope 2 emissions by 2030, compared to a 2020 market benchmark.
  • The company aims for at least a 50% reduction in carbon emissions (Scope 1 and 2) by 2030, against a 1990 baseline.
  • In 2023, Achmea achieved a 52% reduction in gross carbon emissions versus 2019, surpassing its 2025 target.
• Net Zero Portfolios:
  • Achmea aims to achieve 'net zero' for its investments in companies within its own risk portfolio and policyholder portfolios by 2040 (Scope 1 and Scope 2).
  • The company also targets a 'net zero' portfolio investment property by 2050 (Scope 1 and Scope 2).
  • Its mortgage portfolio is targeted to be climate-neutral with net-zero carbon emissions by no later than 2050 (Scope 3).
  • Achmea is working towards a net zero insurance portfolio by 2050 (Scope 3 downstream).
• Energy Efficiency: From 2005 to 2020, Achmea aimed for an annual 2% reduction in energy consumption (Scope 1 and Scope 2) to comply with Dutch energy efficiency agreements.