44 FRENCH INSURANCE FEDERATION – 2017 ANNUAL REPORT

THE LIFE OF THE FRENCH INSURANCE FEDERATION

45FRENCH INSURANCE FEDERATION – 2017 ANNUAL REPORT

The French Insurance Federation brings together insurance and reinsurance undertakings operating in France: 262 companies accounting for more than 99% of the market.

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The French Insurance Federation’s principal

missions � Representing insurers to national and international public authorities, institutions and other regulatory and administrative bodies

� Keeping accurate and detailed industry statistics

� Informing the general public and the media

� Strengthening and promoting risk education

� Developing the attractiveness of our industry through education and training

Watch our institutional film

46 FRENCH INSURANCE FEDERATION – 2017 INSURANCE DASHBOARD

47FRENCH INSURANCE FEDERATION – 2017 INSURANCE DASHBOARD

ORGANISATION

Throughout the year, the Federation’s teams worked, in France and abroad, to raise awareness and recognition of the role played by insurance in protecting households and businesses on a daily

basis, as well as in the long term financing of the economy.

Bernard SPITZ

Vice-PresidentsPresident

The President’s Committee brings together the President and the three Vice-Presidents of the French Insurance Federation to appoint the chairs and vice-chairs of the FFA’s standing committees and sub-committees, the executives to whom the principal tasks of representing the Federation externally are entrusted and the chairs of the trade organisations linked to the FFA.

THE BODIES OF THE FRENCH INSURANCE FEDERATION

The French Insurance Federation is a trade association. It is organised around the following bodies: the President’s Committee, the Executive Board, the General Meeting and twelve standing committees.

Pascal DEMURGER President of the Association of Mutual Insurers (AAM), CEO of the MAIF group

Jacques RICHIER President of the French Federation of Public Limited Insurance Companies (FFSAA), Chairman and CEO of Allianz France

Pierre de VILLENEUVE President of the French Bancassurance Association, Executive Chairman of BNP Paribas Cardif

The President’s Committee

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The Executive Board at 1 September 2018

The Executive Board consists of the Chair, elected by the General Meeting for three years, representatives of twenty-three member companies, and the Treasurer. The eighteen largest groups and companies in terms of revenues are automatically members of the Executive Board. The five representatives of the other companies are elected by their peers: a reinsurer, three mutual insurance companies and a public limited company.

Stéphane DESSIRIER CEO, Groupe MACSF

Patrick DIXNEUF CEO, AVIVA France

Walter ERAUD CEO, SWISS RE

Patrick JACQUOT President and CEO, Assurance Mutuelle des Motards

Patricia LACOSTE President and CEO, Groupe Prévoir

Romain LAUNAY Member of the Executive Committee, SCOR SE

Sylvain MORTERA CEO, AREAS Assurances

Jacques de PERETTI President and CEO, AXA France

Philippe PERRET President and CEO, Sogécap

André RENAUDIN CEO, AG2R LA MONDIALE

Frédéric THOMAS CEO, CREDIT AGRICOLE Assurances

Paul VILLEMAGNE Treasurer of the French Insurance Federation

Bernard SPITZ President of the French Insurance Federation

Pascal DEMURGER CEO, MAIF

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Jacques RICHIER President and CEO, ALLIANZ France

Pierre de VILLENEUVE Executive President, BNP PARIBAS CARDIF

Paul ESMEIN CEO, COVEA

Pierre ESPARBES CEO, SMABTP

Jean-Laurent GRANIER President and CEO, GENERALI France

CEO, CNP Assurances

Jean-François LEQUOY Member of the Senior Management Committee, NATIXIS Assurances

Thierry MARTEL CEO, GROUPAMA SA

Jean-Marc RABY CEO, MACIF

Pierre REICHERT Executive Board President, Assurances du Crédit Mutuel

Charles RELECOM President SWISS LIFE

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The standing committees at 1 July 2018

The standing committees bring together, in their respective subject areas, representatives of the member companies of the French Insurance Federation. They can set up sub-committees and working groups to carry out their work. The mission of the committees is to study the key issues facing the sector and propose solutions, actions or positions to be supported by the industry as a whole.

See the presentation of the FFA’s committees here

Risk Analysis CommitteeChair: Virginie Le Mée, Risk and Continuous Monitoring Director - MACIFVice-Chair: Philippe Marie-Jeanne, Head of Risk Management - AXA

Property and Casualty Insurance CommitteeChair: Stéphane Duroule, CEO - MAAFVice-Chairs:François Farcy, Deputy CEO, Compensation and Services - Groupe MatmutJean-Luc Montané, Director, Corporate Property and Casualty Insurance - AXA

Life, Health and Protection Insurance CommitteeChair: Jean Malhomme, Director, Savings and Protection - AXAVice-Chairs:Pierre François, CEO - Swiss Life Prévoyance Santé – CEO, Swiss Life Assurance de BiensXavier Larnaudie-Eiffel, Deputy CEO - CNP Assurances

Ethics CommitteeChair: Frédéric Jenny, Chair of the OECD’s Competition Committee

Sustainable Development CommitteeChair: François Garreau, Head of CSR - GeneraliVice-Chair: Renaud Berrivin, Director of Communication and CSR - Intermutuelles assistance

Distribution CommitteeChair: Matthieu Bébéar, Deputy CEO - AXAVice - Chai r : Marc Bor re i l , D i rec to r o f Partnerships - Mutuelle des Motards

Economic and Financial CommitteeChair: Antoine Lissowski, Deputy CEO - CNP AssurancesVice-Chair: Olivier Arlès, Deputy CEO - Groupe MACIF

Legal, Tax and Competition CommitteeChair: Philippe Giraudel, Legal Director - GROUPAMAVice-Chair: Angélique Sellier-Levillain, Legal Director, Insurance - Allianz

Anti-Money Laundering CommitteeChair: Christophe Izart, Deputy CEO - BPCE Vie & BPCE Prévoyance, Natixis AssurancesVice -Chair: Hubert Marck, Director, Public Affairs and Compliance - AXA

Digital CommitteeChair: Antoine Denoix, Director of Marketing, Digital, Data and Customer Service, Member of the Executive Committee - AXAVice-Chairs:Valérie Bompard, Director, Innovation and Digital Transformation - Société Générale InsuranceYann Arnaud, Director, Products, Economic Steering, Performance and Risk - Groupe MACIF

Reinsurance CommitteeChair: Anne-Marie Cical, Director - SCORVice - Chai r : August in Rémy, D i rec to r, Reinsurance - Groupe MACIF

Employment CommitteeChair: Olivier Ruthardt, Deputy CEO, Human Resources and Employee Relations – Groupe MatmutVice-Chair: Sibylle Quere-Becker, Director of Human Resources - AXA

The General Meeting

The General Meeting comprises all the members of the French Insurance Federation.

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President Bernard Spitz*

Economic Studies and Statistical Department

� Economic Studies and Statistical Department José Bardaji

CEO, Business Division Arnaud Chneiweiss*

Life, Health and Protection Insurance

� Life and Capitalisation Philippe Bernardi

� Health Véronique Cazals

Property and Casualty Insurance

� Property and Casualty Insurance, markets Stéphane Pénet

� Property and Casualty insurance, insurance lines Catherine Traca

General Secretary Gilles Wolkowitsch*

� Digital and Innovation Jérôme Balmes

Public Affairs and Communication Arielle Texier*

� Parliamentary Affairs Jean-Paul Laborde

� Communication Delphine Deleval

CEO, Functions Philippe Poiget*

Legal, Tax and Consumer Affairs

� Legal, Tax and Consumer Affairs Philippe Poiget

Europe andInternational Department

� Europe and International Christian Pierotti

� Employment Affairs Alexis Meyer

� Accounting, prudential and Finance Christine Tarral

Cabinet Director Mathieu Gatineau

� General Secretariat Grégory Gaudet

� Human Resources Martine Bacciochini

� Information Systems and General Resources Jean-Luc Saghaard

� Finance Slimane Tezkratt

* Members of the Management Board

INTERNAL ORGANISATIONAL STRUCTURE CHART

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Natural disasters: networks serving those affectedIn the event of severe weather, the delegates of the Insurance Documentation and Information Centre (CDIA) are mobilised as soon as an amber alert is issued by Météo France. They transmit information gathered on the ground about the scale and progress of the event to the FFA in real time. This information is extremely valuable to the Federation, enabling it to be highly responsive, both locally

and nationally, to the public authorities, the media and those affected. These local representatives also provide information to those affected and help them with their claims, for example by holding regular information sessions. In addition, the CDIA’s delegates and the CATNAT (Natural Disaster) coordinators participate in the crisis units set up by the government following a major weather event.

THE FRENCH INSURANCE FEDERATION’S REGIONAL NETWORKS

The French Insurance Federation has a number of networks of representatives in the regions. These regional networks allow effective intervention in the event of a crisis, as well as providing day-to-day representation of the Federation and the industry throughout the country.

The FFA’s correspondents are the preferred interlocutors of the public authorities, trade bodies and chambers of commerce, industry, crafts and agriculture in the regions. They disseminate the Federation’s principal messages on key issues for the insurance sector. The 12 correspondents, directors of regional of f ices of insurance companies, are based in 6 major French cities: Lille, Lyon, Marseille, Rennes, Strasbourg and Toulouse.

The rep resen t a t i ves o f t he Insu ranc e Documentation and Information Centre (CDIA) – general agents and brokers – are responsible for delivering practical and educational information on insurance to all audiences: private individuals, professionals, businesses and associations. The 94 delegates and 400 local correspondents also play an essential role on the ground when a weather event occurs.

The Natural Disaster coordinators are the industry’s technical advisers in the departments when major weather events occur. They are almost a hundred in number and they act with the public authorities to deal with complex problems in terms of insurance in order to speed up settlement of insured parties’ claims and help them get their lives back to normal.

The insurance careers ambassadors meet the public at job fairs, orientation sessions and information meetings to promote careers, training and employment in the insurance sector. The 50 ambassadors are insurance company employees and are present in the main towns and cities of France.

The regional life, health and protection insurance clubs, six in number, cover the whole of France and bring together the sales managers of the insurance companies’ salaried employee sales networks. These clubs provide a forum for sharing information on technical, commercial, regulatory and ethical developments in life, health and protection insurance.

Read about the FFA’s presence in the regions

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CORA’s areas of focus

HealthThe costs of cutting-edge medical care are rising dramatically. National budgets are tightening. The role of insurers in ensuring the stability of health systems is crucial. CORA considers how to improve social protection for all French people within a system they value.

The digital revolutionInsurers’ activities and their relations with citizens-consumers are being transformed by the digital revolution. CORA looks at all aspects of this change: access to personal data, simplification of services and benefits, etc.

RegulationCORA is committed to promoting good regulation, which allows fair competition, and raising the alarm where it sees examples of poor regulation, which is a source of inefficiency and destroys value.

Risk cultureCORA contributes to the public debate and encourages initiatives that develop risk education, thus contributing to social and entrepreneurial development in our country.

Protection of people and propertyCORA contributes to the discussions and reflections of insurers, who seek to push back the boundaries of insurability every day.

See the subjects considered by CORA and the list of CORA’s members

THE CORA THINK TANK

The CORA Think Tank (Conseil d’Orientation et de Réflexion de l’Assurance) was created in 2008 at the initiative of Bernard Spitz, Chairman of the French Insurance Federation.

The aim of this independent think tank is to foster dialogue between the insurance industry and civil society. It meets four times a year.

Contributing to public debate

The setting up of CORA reflects insurers’ desire to play their role in society to the full and to contribute to public debate.

CORA is chaired by Jean-Pierre Boisivon and has some twenty members, all drawn from civil society.

These men and women are philosophers, doctors, lawyers, trade unionists, economists, teachers, historians, demographers, writers, politicians, former ministers, entrepreneurs and others, both French and foreign, bringing a range of different sensibilities and opinions.

CORA focuses on the issues of today and tomorrow, such as the ageing population, health, the digital revolution, sustainable development, risk education, regulation, etc.

The freedom of CORA’s members to express themselves and the diversity of their skills and professional experience enable insurers to better understand changes in society.

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THE UNIVERSITY OF INSURANCE

The University of Insurance was created in 2010. Its purpose is to promote a culture of insurance and risk management among students, professionals and decision-makers.

Established as a network bringing together higher education establishments and insurance companies, the University of Insurance has as its missions:

� the creation and promotion of centres of excellence in insurance education;

� building bridges between those working in higher education and insurance professionals;

� promoting innovative teaching.

The University of Insurance is chaired by Sylvain Mortera, CEO of AREAS Assurances.

The insurance centres of excellence: high-level multi-disciplinary training

The insurance and reinsurance sectors offer many career opportunities. The University of Insurance has set up centres of excellence across France delivering high-level insurance training to provide an effective response to companies’ recruitment needs.

The multi-disciplinary education provided by the centres of excellence provides students with access to all insurance and risk management careers. Numerous training programmes are offered, tailored to student profiles: initial training, continuing training, certif ication, work-linked training, etc.

More than 30 training courses are already provided by the University of Insurance’s network.

Education that helps students find employment

The University of Insurance increases exchanges of ideas and experiences between those working in higher education and professionals in the insurance sector. The relationships established make it possible to continuously adapt the training programmes to changes in the insurance and reinsurance sector.

The insurance industry also promotes international exchanges by developing partnerships between higher education establishments across the world.

Prioritising innovation in teaching and research

The University of Insurance promotes innovation in teaching and research in the areas of insurance and risk management. By doing so, it supports the transformation of the sector, which is ever more international in nature and in which the role of digital is ever-increasing.

Learn more about the University of Insurance, the training courses and those involved

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THE ASSOCIATION ATTITUDE PRÉVENTION

Prevention is an integral part of insurers’ work. It is an important cause, inseparable from insurers’ social responsibility, and all insurers are engaged in it.

Standing alongside their insured parties when an accident or loss occurs, insurers provide them with the best possible support to mitigate the consequences. But they owe it to themselves to go further and make the French people aware of the risks they run in their daily lives and help them to protect themselves against those risks.

That is why the members of the French Insurance Federation carry out numerous awareness campaigns on an individual basis. They have also chosen to participate in collective initiatives and actions within the association Attitude Prévention.

The missions of Attitude Prévention are:

� to raise awareness about prevention – particularly road-related risks, accidents of everyday life and health – on behalf of all insurers, in conjunction with the French Insurance Federation;

� to design and implement initiatives to raise awareness of road-related risks, risks in the home and health risks among the general public, alone or in partnership with other organisations;

� to act as a point of reference for the analysis of data on road-related risks, risks of everyday life and health risks.

Attitude Prévention is chaired by Patrick Jacquot, President and Chief Executive Officer of Assurance Mutuelle des Motards.

Learn more and see what Attitude Prévention is doing: www.attitude-prevention.fr

Find Attitude Prévention on the social networks

Join the community Les Mamans Assurent

The Facebook Community “Les Mamans Assurent” is an initiative of Attitude Prévention. Its aim is to raise awareness, inform and share advice and tips for children and mothers at the top of their form.

Le CosapAttitude Prévention’s

Scientific CouncilCosap is Attitude Prévention’s scientific council. It was set up on 13 November 2017, under the chairmanship of Bernard Spitz, Chairman of the FFA. Its members are senior people from different backgrounds; this diversity brings great benefits and is a source of creativity and innovation. Cosap is a real asset for the association, giving access to the best experts on social changes and advances in research to enable insurers to respond in the best way possible to the challenges of preventing road-related accidents, accidents in the home, accidents of everyday life, health risks, climate risks, digital risks, etc. Attitude Prévention looks to Cosap for advice and opinions on its current actions and approach to issues, exchanges of views on actions that could be taken in the future, and input into its work to develop its cross-cutting approach to risk culture.