2015 Annual Results

17 March 2016


resultats 2015_bilan solide_EN

Strong increase in net income

Business activity consistent with the strategy

  • Group premium income of €13.7 billion
  • Selective development in France and in International markets
  • Far-reaching partnerships, for the future

Solid technical and operating performance

  • Stable non-life combined ratio of 99.2%
  • Active portfolio transformation in life with a share of unit-linked in individual savings reserves of 20.7%
  • Continued control of general expenses in 2015
  • Significant growth in economic operating income to €163 million

An increase in net income of +43% to €368 million

A robust solvency margin

  • 263% under Solvency 2

Groupama posted a strong growth in income thanks to the mobilisation of its elected representatives and its employees. This mobilisation is the fruit of the high standard that we all share regarding the way in which we practise our profession as a mutual insurer close to its customers and present locally in each region. At the same time, we improved our financial flexibility with a successful launch of our mutual certificates and we invest in the future by being open to new practices and win-win agreements with top-tier partners

Jean-yves Dagès
Chairman of the Board of Directors of Groupama SA

We will continue to follow our strategic roadmap, which means tirelessly reinforcing our economic performance in order to promote our mutualist values of proximity, trust and innovative services by investing in the technologies of the future, so as to keep in line with our customers' daily lives. In doing so, we develop our own know-how and tie partnerships with leading companies in order to create innovative and differentiating customer experience

Thierry Martel
Chief Executive Officer of Groupama SA.