Core Insights - SCOR reported a net income of EUR 217 million for Q3 2025, contributing to a total net income of EUR 642 million for the first nine months of the year [1][6][22] - The annualized Return on Equity (RoE) for Q3 2025 was 22.1%, reflecting strong performance across all business segments [3][24] - The Group's solvency ratio was estimated at 210% as of September 30, 2025, indicating a stable financial position within the optimal range [7][26] Group Performance - The Group achieved a net income of EUR 217 million in Q3 2025, with an adjusted figure of EUR 211 million [4][22] - The Property & Casualty (P&C) combined ratio improved to 80.9%, down from 88.3% in Q3 2024, driven by disciplined underwriting and low natural catastrophe activity [4][11] - Life & Health (L&H) insurance service result was EUR 98 million, with experience variance in line with expectations [4][15] Investment Performance - Total invested assets amounted to EUR 23.4 billion, with a regular income yield of 3.5% [16][17] - The return on invested assets was reported at 3.3%, a slight decrease from 4.0% in the previous quarter [18][24] - The reinvestment rate stood at 4.0% as of September 30, 2025, reflecting favorable market conditions [19][24] Economic Value - The Group's Economic Value under IFRS 17 was EUR 8.5 billion as of September 30, 2025, representing a 12.7% increase at constant economics compared to December 31, 2024 [8][26] - Economic Value per share was EUR 48.12, showing a slight increase from EUR 48.03 at the end of 2024 [26][25] Business Segment Insights - P&C insurance revenue for Q3 2025 was EUR 1,813 million, a decrease of 1.6% at current exchange rates compared to Q3 2024 [10][22] - L&H insurance revenue decreased by 9.6% to EUR 1,900 million compared to the same quarter in the previous year [12][22] - The P&C insurance service result increased significantly to EUR 255 million, up 60.4% year-over-year [10][22]

Core Insights - Crédit Agricole Assurances reported record total premium income of €27.5 billion for H1 2025, reflecting a year-on-year increase of +19.4% [3][10] - The company achieved net inflows of +€8.2 billion, marking a record for the first half of the year, with significant contributions from both the General Account and Unit-Linked products [5][10] - The Solvency II prudential ratio was estimated at 202%, indicating strong financial stability [12] Financial Performance - Total premium income reached €27.5 billion, up +19.4% compared to H1 2024 [3][10] - Net income Group share was €1,016 million, a decrease of -1.7% year-on-year, but adjusted for exceptional tax contributions, it rose by +5.8% [10][11] - Life insurance outstandings totaled €359.4 billion, with General Account reserves at €251.0 billion (+3.2%) and Unit-Linked reserves at €108.4 billion (+4.1%) [6] Business Segments - In the savings and retirement segment, premium income reached €20.8 billion, up +24.6% year-on-year, driven by preferential profit sharing offers [4] - Unit-Linked gross inflows totaled €6.9 billion, reflecting a +15.9% increase compared to the previous year [4] - Property and casualty gross written premiums increased by +8.5% to €4.0 billion, with a portfolio exceeding 16.9 million contracts [7] Strategic Initiatives - The company announced its participation in Eutelsat's capital increase of €1.35 billion and a stake in the Agency for the Diffusion of Technological Information (ADIT) [14] - Crédit Agricole Assurances launched Goodlife, a new life insurance policy focused on environmental issues [14] - The company celebrated 15 years of support for caregivers, launching seventeen new projects related to mental health [14] Geographic Performance - Revenues in France for H1 2025 were €23.5 billion, up +24.1% from €18.9 billion in H1 2024 [16] - Revenues from Italy remained stable at €3.0 billion, with a slight increase of +0.5% [16] - Revenues from other countries decreased by -9.0% to €1.1 billion [16]