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Profitable growth

Technical efficiency is a key success factor.

BEING TECHNICALLY PROFITABLE ACROSS ALL OF OUR BUSINESS LINES

Improving technical efficiency mastery across all business lines is a key strategic priority based on two themes:

  • market share increases in business areas with high added value, in particular:
    – Individual Protection;
    – Professional Risks, capitalising on strengths, such as the Gan brand image and
    Groupama’s institutional network;
    – markets with potential still unexploited by the Group, in France and abroad, particularly high-growth markets;
  • technical profitability in all business lines thanks to keener risk analysis, with more refined price segmentation geared to the customer profile and more stringent claims management processes.

 

OUR KEY PROJECTS

  • Portfolio
    – Multi-product subscription
    – Loyalty
    – Prevention
    – Portfolio monitoring
  • Claims
    – Quality of service
    – Service and savings by approved service providers (CapsAuto, FMB, etc.)
    – Reduction in losses (appeals, fraud, etc.)
    – Management processes
  • Subscription
    – Improvement in the product mix and increase in the sale of higher-margin products
    – Selection of risks
    – Process discipline
    – Pricing segmented by risk
    – Sales budget optimisation
    – Increase in sales flows

 

MONITORED INDICATORS

The monitoring of the non-life net combined ratio and the share of assets in unit-linked products and bank savings in the total savings allows the Group’s profitable growth to be monitored.

 

DISCOVER THE OTHER WORKSTREAMS OF THE GROUP STRATEGIC PROGRAMME 2014-2018

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