MUTUAL COMMITMENT. The basics
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1 MUTUAL COMMITMENT The basics 2014
2 Our position allows us to prepare, with total confidence, for all regulatory, economic, environmental and digital challenges facing all operators on the insurance stage.
3 Conversation with Thierry Derez, chairman What results are you drawing up for Covéa for 2014? Our financial results are good, despite the complex financial markets having particularly low bond rates. We are also posting good business results in significant areas, such as motors, home, legal protection, corporate risk and life assurance, with turnover exceeding 16.5 billion euros - in other words up by 6.5%. The past year is rather gratifying, although we still had to tackle a whole string of extreme weather events like Xynthia, Quentin or Klaus, which mobilised teams virtually all year round. What are the stakes for 2015? We are facing with economic and environmental challenges, which involve all insurance companies and are common to all companies in the Group. Similarly, must continue to pursue Big Data and digitisation. Our position allows us to prepare for these challenges with confidence. Our objective is to gain even more competitiveness and offer ever more services to our policyholders. In 2015 we are operating a simplified organisation in order to use all possible avenues for pooling information and resources. What s the state of play on preparations for the upcoming introduction of Solvency II Directive? Preparing for Solvency II is of course a large-scale project for Covéa. Solvency II constitutes a new understanding of the insurance business and will have an impact on the way all our staff work. This effort is also an opportunity for us to reflect on how we use our resources and the lines along which we should develop so that we have a keener, more appropriate and judicious eye on future prospects. It will also bring a new understanding of risk. What is your strategy as regards the Group s financial rating? Our strategy is very logically defined across-the-board at Covéa. From now on, therefore, we must compare ourselves to other categories of operators in certain areas of our activity and not just with the day-today competition. Then, we plan to develop our business in professional and corporate risk as well as in group health insurance. To do that, a good rating becomes all the more important. And whether it s in the concept and design or the implementation of Solvency II, we are subjected to mechanisms very close to those of grading. This very much reflects the history of the Group.
4 Key Figures at 31 december 2014 Life and non-life turnover 16.5 billion euros (+6.5%) Net result (portion of the Group) 961 million euros Policyholders and Clients +11 million in France Solvency ratio 455% Staff (France and abroad) 26,298 Equity capital (portion of the Group) 11.6 billion euros
5 Split of Life and non-life business, France and abroad Life Non-Life 33% 67% Turnover split Individual Life Automobile Professional and Corporate International 23% 22% 15% 13% Health / Providence 12% Private Risks 11% Legal Protection / Assistance / Other 4%
6 Highlights Reorganisation for greater cohesion The Group s turnover abroad continued to grow, mainly thanks to the Italian subsidiary specialising in life insurance, Bipiemme Vita, which today counts for 13% of global turnover. Covéa has strengthened its presence on the international front with the acquisition of Sterling Insurance Group in the United Kingdom. As it is composed of different mutualist structures, Covéa plans to create one single entity within two years, while at the same time reaffirming the institutional primacy of these structures. From now on, the overall strategy will therefore be defined at Group level. In this spirit, a Covéa Motor and Home Technical Department, a Life Insurance Department and a Covéa Human Resources and internal communication department have been particularly created. A growing adventure A succession of storms, hailstorms, etc. the likes of which had never been seen before. Over 168,000 claims were handled. Extreme weather events An accelerator for innovation Covéa created an investment structure: Covéa Next, whose mission is to give financial and operational assistance to start-ups developing technologies or innovative services which can used to advantage in the field of insurance. Covéa combines MAAF, MMA and GMF, three strong brands which share common values. Together they raise the Group s ranking as one of the top mutual insurance companies in France. The objective: to gain yet more competitiveness and offer more and more services to our policyholders. A brokerless mutual, insurance company general insurer for the public and professionals. A mutual insurance company with tied agents, multi-purpose insurer for the general public, professionals, companies, associations and local authorities. A brokerless mutual insurance company, general public insurer, the benchmark mutual insurance company for civil servants.
7 Business lines insurance, finance and services in France Marketing and Strategic Transformation I N S U R A N C E S U B S Institutional Partners Life Assurance, Motor and Home I D I A R I E S I N F R A N C E Policyholders and Clients Investment and Risk Management IP AND AFFILIATED MUTUAL COMPANIES General Secretariat and International External and Institutional Communication IT and Information System Actuarial, Control and Economic Management S E R V I C E S A N D Accounts and Financial Communication F I N A N C E S Human Resources and Internal communication Indemnities Services Assistance
8 (1) Source: L Argus de l assurance at 31/12/2013 Property and Liability Individual Health Corporate Legal Protection No. 1 (1) No. 4 No. 3 No. 1 Published by Covéa External and Institutional Communication Department - June This document is printed on 100% recyclable and biodegradable coated paper. Photo credits: LaCompany/Stéphanie Tétu MUTUAL GROUP INSURANCE COMPANY governed by the French Insurance Code RCS Paris , rue Saint Lazare Paris MUTUAL COMMITMENT
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