Universal Registration Document

Overview

The report records a record 2025 turnover of €52.4 billion, up 20.1%, alongside a new CSRD- and ESRS-based Sustainability Statement and an updated double materiality analysis. It expands GHG measurement across corporate operations, insurance claims and investments, with total location-based emissions of 47,098,754 tCO2e. The report also highlights 4,204.9 year-end FTE employees, 53.5% women among employees and expanded inclusion and customer-support initiatives.

Document

Report type: Annual Report with Sustainability Disclosures
Class: Embedded
Scope: Full report
Fiscal year: 2025
Period: 1 January 2025 – 31 December 2025
Publication date: 8 April 2026
Language: English
Pages
File size
Restatement: Disclosed

Standards

GRI
SASB
TCFD
ISSB
ESRS
Integrated Reporting Framework
GHG Protocol
EU Taxonomy
CDP

Commitments

UN Global Compact
UN Guiding Principles
Science Based Targets initiative

Ratings

GRI level
CDP score

Materiality

Assessment
Basis

Assurance

Provider
Level
Standard
Scope
Statement included

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