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Carré décoratif

Rating and Financial Strength

AM Best reaffirmed, on February 13, 2026, the outlook on our long-term credit rating as Positive, while confirming our Financial Strength Rating of "B++ (Good)" and our Long-Term Issuer Credit Rating of "bbb (Good)".

Financial Strength Rating
Long-Term Issuer Credit Rating

These ratings reflect the strength of our balance sheet, robust operational performance, our neutral business profile, and the adequacy of our enterprise risk management (ERM) framework.

Balance Sheet Strength and Capitalization

Atlantic Re's balance sheet strength is assessed as Strong and rests on the following pillars:

Capitalization at the Strongest Level

Our risk-adjusted capitalization, measured by Best's Capital Adequacy Ratio (BCAR), is maintained at the strongest level, attesting to our capacity to absorb major financial shocks.

Prudent Technical Reserves

The BCAR score is consolidated by technical reserve margins deemed prudent.

Institutional Support

The balance sheet strength incorporates the relationship with our main shareholder, the Caisse de Dépôt et de Gestion (CDG), and the partial explicit guarantee of the Moroccan State.

Operational Performance

Atlantic Re's balance sheet strength is assessed as Strong and rests on the following pillars:

Return on Equity (ROE)

0%
2025

Technical Performance

0%
2025

Investment Return

0%
Weighted average return 2019-2023

Resilience to major losses: The impact of recent major losses (Turkey, Morocco, UAE) has been effectively minimized through the implementation of a sophisticated and tailored retrocession program, confirming the robustness of our net risk management.

The maintenance of the AM Best rating reflects the effectiveness of our risk management, the resilience of our capitalization, and the strength of our operational performance. We continue to deploy our strategic roadmap in favor of sustainable growth, while strengthening our role as a trusted partner for the stability of regional markets.

Risk Management and Coverage Mechanisms

Our governance and risk management constitute one of the most strategic pillars of Atlantic Re. The underlying strategy allows us to guarantee our financial strength, guide our underwriting decisions, and support our development across all our markets.

Through an integrated process combining forward-looking analysis, advanced modeling, and structured governance, we ensure rigorous control of our commitments and optimal allocation of our capital. This allows us not only to protect the company's resilience against extreme risks, but also to create lasting value for our partners and clients.

The key components of this framework are summarized below:

Risk Modeling and Quantification

Atlantic Re relies on advanced quantitative tools to analyze and model the risks to which it is exposed, enabling optimal capital allocation and strengthened financial robustness.

Rigorous Risk Governance

Structured governance frames the entire risk management process, ensuring clear supervision, team accountability, and alignment with industry best practices.

Tailored Retrocession Programs

Atlantic Re implements retrocession programs to transfer a portion of its risks to reinsurance partners. These programs are calibrated according to the company's retention capacity and serve to mitigate the impact of major losses and catastrophes on results.

Prudent Investment Management

A disciplined investment policy, focused on security and liquidity, ensures compliance with solvency requirements and protects portfolios against market volatility.