PROFILE 2016 CACI Our business, to protect you and your projects CACI (CRÉDIT AGRICOLE CREDITOR INSURANCE) IS THE CRÉDIT AGRICOLE ASSURANCES GROUP SUBSIDIARY SPECIALISING IN CREDITOR PROTECTION INSURANCE (CPI), and is a major player in France and Europe, with around thirty partners in 6 countries. Since its creation in 2008, Caci has been extending its business in partnership with retail banking and specialised financial services companies. RANKINGS (end 2016) 2 nd IN CREDITOR PROTECTION INSURANCE (CPI) IN FRANCE Source: Jasmin study, «L assurance emprunteur en France», 2015 Today Caci offers a comprehensive range of products designed to meet the «Financial Protection» needs of its customers and partners.
OUR GOUVERNANCE Michel Matthieu Deputy of Crédit Agricole S.A., Chief Executive Officer of LCL and Chairman of the Caci Board of Directors Henri Le Bihan of Caci EXECUTIVE COMMITTEE 30 April 2017 Anne Arthaud Head of Business Development and Marketing David Atkinson Officer Arnaud Dufoort Head of Digital, Projects and Optimisation André Fragnière Officer Hugues Hénin Head of International Business Development Henri Le Bihan Olivier Mélennec Head of Irish Companies Tristan Palerm Technical Director Philippe Rebout Head of Operations Mary Ryan Deputy Head of Irish Companies Marc Vidal Chief Financial Officer BOARD OF DIRECTORS 30 April 2017 Michel Mathieu Officer of Crédit Agricole S.A., of LCL and Chairman of the Caci Board of Directors CREDIT AGRICOLE ASSURANCES représented by Frédéric Thomas of Crédit Agricole Assurances and Predica Xavier Musca Officer of Crédit Agricole S.A. Philippe Dumont of Crédit Agricole Consumer Finance Jean-Yves Carillet of Crédit Agricole Côtes d Armor Marc Oppenheim of Crédit Agricole Immobilier Bruno Moatti Secretary-General of Crédit Agricole Assurances and Predica CACI IN A FEW DATES 2008 CACI WAS FOUNDED 2009 THE CACI OFFER WAS ROLLED OUT THROUGH THE LCL NETWORK 2010 OPENING OF OUR BRANCHES IN ITALY (FREEDOM OF ESTABLISHMENT) 2013 START OF THE ROLL-OUT OF THE CACI OFFER IN FOUR CRÉDIT AGRICOLE REGIONAL BANKS 2014-2016 ROLL-OUT CONTINUES IN THE REGIONAL BANKS 2016 CREATION OF A CREDITOR INSURANCE BUSINESS LINE WITHIN THE CRÉDIT AGRICOLE ASSURANCES GROUP
OUR OFFERS SAVINGS / PENSIONS BUILD UP savings PREPARE for retirement SECURE your loan INDIVIDUALS PROFESSIONALS FARMERS CORPORATE COVER your property PROTECT your family PROTECT your purchases Income Protection Creditor Protection Insurance Personal Risk PERSONAL RISK / CREDITOR INSURANCE Guaranteed Automobile Protection (GAP) Protection of cards and goods GENERAL INSURANCE Caci provides coverage for most of its partners financial commitments and for those of their end customers (loan instalments, bills, etc.) against risks such as death, time off work, or unemployment. CREDITOR PROTECTION INSURANCE COVERS REPAYMENT OF A LOAN IN THE EVENT OF DEATH, AN INABILITY TO WORK, DISABILITY OR UNEMPLOYMENT ETC. GUARANTEED AUTOMOBILE PROTECTION (GAP) is a product that provides policyholders with compensation in the event of a financial loss resulting from the theft or total destruction of their vehicle INCOME PROTECTION allows policyholders to protect their standard of living in the event of hardship (disability, inability to work, etc.) PERSONAL RISK INSURANCE PRODUCTS are designed to protect policyholders and their families from the financial consequences of a serious personal event (death, hospitalisation, injury, etc.) RD AND PROPERTY COVERAGE insures the following: the card and its use property in the event of theft, damage or breakdown
OUR VALUES Caci was awarded the 2014 CSR Trophy for Customer Relations for its exemplary social and HR practices, and was elected the Best Place to Work in Ireland 2015. A quality label that measures the degree of employee confidence and motivation. In 2013, Caci obtained the CSR quality label, which was renewed in 2016, in acknowledgement of responsible HR management destined for people with a direct involvement in customer relations. Caci is founded on a set of core values that reflect our corporate culture and are an expression of our commitment to our customers and partners. BE ENTREPRENEURIAL AND NIMBLE We set ambitious objectives when we put products together for our clients. We are pragmatic, flexible, and able to think outside the box and constantly challenge ourselves to do even better. BE OPEN TO OTHERS We are friendly and open. Simplicity and spontaneity characterise our relations. SUCCEEDING TOGETHER Our collective approach is characterised by our constant quest to find the best possible synergy between available skills, wherever they are found: in different departments, sites, or among our partners. BE CUSTOMER-MINDED We are service-minded. We seek to be proactive and innovative in anticipating the needs of our customers. Our customer relations are built on professionalism and understanding.
OUR KEY FIGURES TOTAL PREMIUMS 1035.4 million 45.8% CPI* France 43.4% CPI* International 10.8% Other products *CPI: Creditor Protection Insurance 923.2 million CPI PREMIUMS BY COUNTRY CPI PREMIUMS BY SECTOR OF ACTIVITY 923.2 million 923.2 million 51% France 29% Italy 10% Poland 7% Germany 2% Portugal 1% Spain 28% Retail banks, France 27% Retail banks, international 23% Consumer finance, France 14% Consumer finance, international 8% Automobile captives OUR FUGURES (end 2016) 1,035.4 million revenue 329 employees ~30 partners 6 countries
OUR EUROPEAN PRESENCE OUR ORGANISATION CACI HOLDING HEADQUARTERS Paris INSURANCE COMPANIES Dublin and Lille BRANCHES Milan and Paris TEAMS on 4 sites TWO INDUSTRIAL MANAGEMENT PLATFORMS: LILLE : a policy and claims management platform for partnerships such as LCL and Crédit Agricole Regional Banks DUBLIN : a pan-european management platform for our partners under the Freedom of Services. The principle of the Freedom of Services allows an authorised insurance company in a European Union Member State to offer its services in all the States of the Union from his registered office without local implantation. Portugal Headquarters of the French companies Headquarters of the Irish companies Activities under the Freedom of Services Activities under the Freedom of Establishment Caci holding CACI LEGAL STATUS AND REGISTERED OFFICE 16-18, boulevard de Vaugirard 75015 Paris Société Anonyme with capital of 84,452,080 385 254 297 RCS Paris OUR SITES Ireland Spain Lille Paris CACI HOLDING France Germany Italy Poland CAA communications, Innovation and CSR division July 2017 Photos: CAPA Pictures - A. Meyssonnier, Philippe Jacob, www.seignettelafontan.com CACI IS A COMPANY OF THE CRÉDIT AGRICOLE ASSURANCES GROUP No.1 BANK INSURER* IN EUROPE AND No.1 INSURER IN FRANCE** 30.8 BILLION TURNOVER 269 BILLION IN LIFE INSURANCE ASSETS UNDER MANAGEMENT 4,200 EMPLOYEES (as at 31/12/2016, IFRS standard) * in terms of 2016 revenue ** in terms of 2015 revenue FOR THE LATEST INFORMATION ON THE CREDIT AGRICOLE ASSURANCES GROUP, VISIT CA-ASSURANCES.COM AND FIND US ON THE FOLLOWING SOCIAL NETWORKS: twitter.com/ CA_Assurances