2019 Full-Year – Results Business growth and improved operational performance

• Premium income of €14.4 billion, up +1.7%      

– Increase in premium income from property and casualty insurance (+1.1%) and from life and health insurance (+2.4%)

– Mixed performance with an increase in France (+2.6%) and a decline in the international market (-2.3%)

• Higher economic operating income at €413 million

– Insurance economic operating income of €466 million

– Non-life combined ratio of 97.0%

– Continued transformation of the life insurance portfolio with a share of unit-linked outstandings in individual savings of 28.1% in France

• Net income of €345 million

• Solvency 2 ratio of 178%, up 11 points

– Solvency 2 ratio of 302% with transitional measure

– Group’s IFRS equity of €10.2 billion

– Mutual certificate outstandings of €600 million at 31 December 2019