Ratings

Entity	Type	S&P Outlook stable	Fitch Outlook stable
ACHMEA B.V.	ICR/IDR	BBB+	A
INSURANCE ENTITIES
ACHMEA SCHADEVERZEKERINGEN N.V.	FSR/IFS	A	A+
ACHMEA ZORGVERZEKERINGEN N.V.	FSR/IFS	A	A+
ACHMEA PENSIOEN & LEVENSVERZEKERINGEN N.V.	FSR/IFS	A	A+
ACHMEA REINSURANCE COMPANY N.V.	FSR	A-
BANKING ENTITIES
ACHMEA BANK N.V.	Long term	A-	A
	Short term	A-2	F1
ACHMEA BANK N.V.	Covered bond programme

ICR: Issuer Credit Rating (S&P)
IDR: Issuer Default Rating (Fitch)
FSR: Financial Strength Rating (S&P)
IFS: Insurer Financial Strength (Fitch)