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NN Group (NN) investor relations material
NN Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary8 Aug, 2025
Executive summary
Operating capital generation rose 6% to €1,020m, driven by strong growth in Insurance Europe, Japan, and Netherlands Non-life.
Solvency II ratio increased to 208% (205% pro-forma), above the 150%-200% comfort range, with Netherlands Life at 200%.
Interim dividend increased by 8% to €1.38 per share, with ongoing share buyback program and over €10bn returned to shareholders since IPO.
Net result declined 40% year-over-year to €391m, mainly due to non-operating losses, bond sales, and divestment costs.
Strategic focus on digitalization, AI, and sustainability, with 191 AI use cases in production and advancing digital leads.
Financial highlights
OCG reached €1,020m, up 6% year-over-year, confirming progress toward 2028 targets.
Free cash flow was €863m, down 4% year-over-year, on track for €1.6bn full-year target.
IFRS operating result increased 8.6% to €1,443m, mainly from higher investment returns at Netherlands Life.
Net result fell to €391m from €648m in 1H24, impacted by bond sales, derivative revaluations, and divestment costs.
Basic EPS dropped 40.5% to €1.31.
Outlook and guidance
Upgraded 2025 OCG target to €1.9bn and 2028 target to €2.2bn; free cash flow targets reaffirmed at €1.6bn for 2025 and >€1.8bn for 2028.
OCG for full year 2025 expected to be slightly lower than H1 due to one-offs and NIM pressure, but offset by higher Non Life OCG.
Per share CAGR guidance of 7-8% through 2028.
Continued focus on digital transformation and operational efficiency, targeting 50% of new sales from digital leads in Insurance Europe by 2028.
Capital return policy to be reviewed at full year results, with preference for incremental steps.
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Frequently asked questions
NN Group N.V., a financial services company, primarily provides life insurance products in the Netherlands and internationally. It offers individual and group life insurance products; supplementary health insurance; bank-related asset management services, such as savings and investment products, pensions, mortgage loans, and annuities; investment banking, securities brokerage, and other capital market services; risk management software and consulting services for pension funds, companies, and insurers; property/casualty insurance; bancassurance products; and asset management services. NN Group N.V. was founded in 1845 and is headquartered in the Hague, the Netherlands.
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