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]

Group 1 - Crédit Agricole Assurances has filed its 2024 Universal Registration Document with the French Financial Markets Authority (AMF) under number D.25-0348, which is available for public consultation [1] - The 2024 Universal Registration Document includes the annual financial report, sustainability report, corporate governance report, and information on fees paid to statutory auditors [4] - Crédit Agricole Assurances is the leading insurer in France and a subsidiary of Crédit Agricole group, offering a wide range of insurance products and services [2] Group 2 - As of the end of 2024, Crédit Agricole Assurances employed over 6,700 employees and reported a premium income of 43.6 billion euros [2]

Core Insights - Crédit Agricole Assurances reported a record net inflow of nearly €4 billion in Q1 2025, demonstrating strong performance across all business lines, both domestically and internationally [2][3][8] - Total premium income reached a record high of €14.8 billion, reflecting a year-on-year increase of 20.7%, driven primarily by growth in savings and retirement products [3][8] - The life insurance business in France showed significant growth, with premium income increasing by 28.3% year-on-year, contributing to the overall success of the company [3] Financial Performance - Net inflows for the quarter amounted to €4.0 billion, an increase of €2.9 billion compared to Q1 2024, with €2.0 billion from unit-linked products and €1.9 billion from the General Account [3][8] - Life insurance outstandings reached €352.4 billion, with €246.7 billion in the General Account and €105.7 billion in Unit-Linked, reflecting a stable market position [4] - The combined ratio improved to 93.2%, indicating better claims management and operational efficiency [9] Business Segments - The property and casualty segment saw gross written premiums rise by 8.0% year-on-year, reaching €2.6 billion, with a total portfolio exceeding 16.8 million contracts [5] - Personal protection insurance premiums increased by 4.3% to €1.4 billion, with group insurance experiencing a notable growth of 23.8% due to a significant new contract [7] - The savings and retirement segment reported premium income of €10.8 billion, up 26.8% year-on-year, benefiting from preferential profit-sharing offers [3][8] Strategic Outlook - The company aims to continue building its new project and focus on conquest as a core strategy in its 40th anniversary year [2] - Crédit Agricole Assurances is committed to enhancing its presence in the insurance market, leveraging its universal banking and insurance model to drive growth [2][3]