Good practices on capital policy for insurers

Good practice
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DNB updated and published the principles for an adequate capital policy in 2023 in a good practice.

Published: 30 September 2016

Latest update: 15 October 2025

With this good practice, DNB aims to clarify its expectations regarding capital policy under Solvency II. These expectations are based on general principles that apply to all insurers, as well as three additional principles targeted at specific subsectors. The initial principles originated from a thematic review conducted in 2016. In 2023, an update was carried out, and concrete practical examples were added to illustrate how insurers can implement these principles.

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Disclaimer

Good practices set out suggestions or recommendations for supervised institutions. They are examples of possible applications that, in DNB’s opinion, provide a good interpretation of the obligations laid down in legislation and regulations. Good practices are indicative and institutions are free to take a different approach, as long as they otherwise comply with the laws and regulations. To learn more about the status of DNB’s policy statements, go to the Explanatory guide to DNB’s policy statements on Open Book on Supervision.

Update

  • 13-10-2025: The English text has been aligned with the Dutch version.

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