PREDICA Our business: to protect you and your loved ones

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1 PREDICA Our business: to protect you and your loved ones PREDICA, a CREDIT AGRICOLE ASSURANCES GROUP INSURANCE SUBSIDIARY, is now the nd-biggest life insurer in France. This leading position has been built on the strength of the bank insurance model and the power of our partner networks, especially the Crédit Agricole Regional Banks and LCL. Our position as a leader is driven by a tailored insurance offering that meets the needs of our customers to protect themselves and their loved ones throughout their lives. For almost 30 years, Predica has always adapted to its environment successfully. The company is now mobilised at the service of Crédit Agricole Group customers to develop insurance solutions in response to major challenges, such as retirement and dependency. RANKINGS (end 014) 1 st IN DEATH AND FUNERAL INSURANCE nd PERSONAL INSURER IN FRANCE 1 th IN INSURANCE PENSION PLANS (PERP)

2 OUR GOVERNANCE Jean Pierre Vauzanges Chairman of Predica Jérôme Grivet Chief Officer of Predica EXECUTIVE BOARD OF DIRECTORS 31 March 015 MANAGEMENT COMMITTEE 13 April 015 Jean-Pierre Vauzanges Chairman of Predica, CEO of the Ille-et-Vilaine Regional Bank Raphaël Appert Chairman of Pacifica and Crédit Agricole Assurances, Centre-Est Regional Bank Philippe Aveline Sud Méditerranée Regional Bank, SACAM Participations Representative Olivier Bélorgey Head of Financial Operations of Crédit Agricole S.A. Philippe Chatain Touraine Poitou Regional Bank Olivier Gavalda Head of the Regional Banks division, Crédit Agricole S.A. François Imbault Chairman of the Crédit Agricole Paris/Île-de-France Regional Bank Isabelle Job-Bazille Head of Economic Research, Crédit Agricole S.A. Michel Mathieu Deputy CEO of Crédit Agricole S.A. Xavier Musca Deputy Chairman of Predica, Deputy CEO of Crédit Agricole S.A. Yves Nanquette Chairman of LCL, CEO of LCL, LCL representative José Santucci Val de France Regional Bank NON-VOTING BOARD MEMBERS Bertrand Corbeau CEO of Fédération Nationale du Crédit Agricole Thierry Langreney CEO of Pacifica Jérôme Grivet 1 CEO of Predica and Crédit Agricole Assurances Bruno Carles Deputy CEO for Business Development Brice Leibundgut 3 Secretary General Serge Bernat 4 Head of Management Control Jean-François Dupouy 5 Head of High Net Worth Clients and Pensions Grégory Erphelin 6 Chief Financial Officer Olivier Gélineau 7 HR Manager Laurent Goulot 8 Head of Planning, Orientation and Projects Pierre Guillocheau 9 Head of Group Insurance Eric Martin 10 Head of Actuarial Activities Cécile Mouton 11 Head of Financial Management Marie-Hélène Muselli 1 Head of Legal Affairs Juliette Nigrelli 13 Head of Market Support Jean-Marc Philippe 14 Head of Risk Management, Audit and Security Alain Roussel 15 Head of Retail Market and Welfare

3 OUR OFFERS LIFE INSURANCE/SAVINGS/PENSIONS Euro and unit-linked life insurance, socially-responsible savings, individual pension plans (PERP), Madelin. Group pension plan BUILD UP savings PREPARE for retirement ASSIST your loved ones INDIVIDUALS PROFESSIONALS FARMERS CORPORATE INSURE your property PROTECT yourself and your family PROTECT your purchases Disability/death Funeral insurance Dependence Group health insurance/personal risk HEALTH/PERSONAL RISK INSURANCE GENERAL INSURANCE SET ASIDE SAVINGS TO LEAVE A LUMP SUM OR FINANCE A PROJECT Prepare for future private or professional projects requiring financial resources, protect the family from financial need and prepare for the future of your children. PREPARE FOR RETIREMENT Provide solutions tailored to your needs and income to ensure financial security when the time comes. PROVIDE FOR FUNERAL EXPENSES Covering the costs related to your passing gives you peace-of-mind and takes a weight off your loved ones. PROTECT YOUR FAMILY IN CASE OF DEATH Prepare to protect your loved ones from financial difficulties if you should die. LOSS OF INDEPENDENCE Balance your budget and provide for daily life for yourself and the family if you should lose your independence. OUR SOLUTIONS FOR BUSINESSES Offer staff group pension solutions, provide them with the benefits of group health and personal risk insurance. 3

4 OUR ACTIVITY OUR MISSION To provide useful protection for Crédit Agricole Group customers with a life insurance, pensions and personal risk insurance offering tailored to their needs throughout their lives. FIGURES (end 014) OUR ASSETS A bank insurance model closely integrated with its networks, the basis of its growth. A simple, high-performance savings and personal risk insurance range An essential contributor to achieving the Group s ambitions in the area of health cover and pensions 537 EMPLOYEES OUR ACTION AND HIGHLIGHTS FROM 014 The launch of two innovations in the area of life insurance: Objectif Programmé, a Croissance/Euro-Croissance type product, and Predivie Transmission or LCL Transmission vie-génération insurance policies. Both innovations not only respond to economic challenges, but allow clients to diversify their investments and, in the case of the vie-génération policy, to benefit from additional tax incentives while supporting the real economy. Predica was the first insurance company to offer these new products that are distributed through the Regional Banks and LCL. 8 billion in assets under management 15% in market share of assets under management in France The expansion of our unit-linked product solutions by developing services with high added value, such as the management mandates, flexible or advised management. Successful launch of group health and personal risk insurance pilot services in 8 Regional Banks. Predica proposes a differentiating offer that adapts to small and medium companies, intermediate-sized enterprises and large companies, with an employee plan engineering package offer designed for business leaders. Announcement of the merger between UAF Patrimoine and LifeSide Patrimoine. Two Crédit Agricole Assurances entities specialised in life insurance and wealth management now form UAF Life Patrimoine, a single platform dedicated to independent financial advisors, since 1 January million insurance policies (excluding creditor insurance) 96.7 % of customers satisfied with our services* (modifications, redemptions, successions) La Médicale becomes a Crédit Agricole subsidiary on 1 April 014. *11,000 Predica customers surveyed in 34 Regional Banks and LCL branches. 4

5 PREDICA ASSETS UNDER MANAGEMENT PREDICA ANNUAL REVENUE Merger with UAF (5 million additional policies) billion % 9% UC UC * * 16% 16% 16% 17% 17% 17% UC * UC * UC * UC * UC * UC * billion *UC: unit-linked Savings-Pensions, December 014 Assets under management: 8 billion Inflow: 18. billion Number of policies: 8.6 million Personal risk, December 014 Subscriptions: 1,740 million Number of policies: 4.1 million (excluding creditor insurance) OUR PROSPECTS FOR 015 Predica is contributing to the ambition of Crédit Agricole Assurances to make the Crédit Agricole the favourite insurer of its customers, fostering the Crédit Agricole Group s growth in line with the medium-term plan. Adapt investment management to a low-rate environment and develop offers that allow policy holders access to different types of financial management (Unit-linked, Euro-Croissance, investment mandates, etc.) Roll-out the group health care / personal risk insurance offerings for small and medium companies, intermediate-sized enterprises and large companies throughout the Regional Banks and LCL. Building on its strong experience in top-up pensions for companies, Predica offers business leaders a global approach that will allow them to envision tailored solutions for their employees for health care, personal risk and pensions. Creation of Premundi, a service for the Regional Banks, through the merger of the sales forces of Predica and Amundi to provide a comprehensive response for long-term savings solutions in all forms of investment (securities account, PEA, life insurance). First step in the IT convergence master plan to move towards a single management platform. PRODUCT RECOGNITION The following 16 insurance policies provided by Predica and distributed by Crédit Agricole, LCL, La Médicale or broker partners and independent financial advisers received the highest honour in 014 by being awarded an accreditation or prize for their excellence: Floriane Rouge Corinthe Alyss BforBank vie Médicale Investissement Acuity Predirente Prediagri retraite Prévilion Funeral Insurance Espace Liberté Valeur prévoyance multipartenaires Top-up pension extension Retirement extension LCL top-up pension LCL retirement pension 5

6 OUR PRESENCE OUR PARTNERS 39 Crédit Agricole Regional Banks: a network of 7,007 branches in France LCL: a network of,077 branches in France UAF Life Patrimoine: partnerships signed with independent financial advisors La Médicale: a network of 114 general insurance agents in 44 regional agencies OUR CUSTOMERS Individuals Professionals Farmers Corporate HEADQUARTERS AND LEGAL STATUS 50, rue de la Procession 7574 Paris Cedex 15 French société anonyme with capital of 960,745,065 CAA communications and CSR division may 015 Photos : CAPA Pictures - A. Meyssonnier-Emmanuel Pain, Arnaud Février, Hervé Thouroude PREDICA IS A COMPANY OF THE CRÉDIT AGRICOLE ASSURANCES GROUP CRÉDIT AGRICOLE ASSURANCES GROUP (at 31/1/014) 1 st BANK INSURER IN EUROPE AND nd INSURER IN FRANCE 30.3 BILLION TURNOVER 49 BILLION IN LIFE INSURANCE ASSETS UNDER MANAGEMENT 3,500 EMPLOYEES FIND OUT MORE: CA-ASSURANCES.COM/EN twitter.com/ CA_Assurances 6

Our business: to protect you and your loved ones

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