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, THE CRÉDIT AGRICOLE GROUP INSURANCE SUBSIDIARY, is now the 2 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 over 25 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 2013) 2 1 st in death and funeral insurance nd personal insurer in France 1 st in insurance pension plans (PERP)
2 our governance Pierre Derajinski Chairman of Predica Jérôme Grivet Chief Executive Officer of Predica BOARD of directors 31 st march 2014 Management committee 31 st march 2014 Pierre Derajinski Chairman of Predica and Crédit Agricole Assurances, Centre Loire Regional Bank Xavier Musca Deputy Chairman of Predica, Deputy CEO of Crédit Agricole S.A. Raphaël Appert Chairman of Pacifica, CEO of the Crédit Agricole Centre- Est Regional Bank, Philippe Aveline Sud Méditerranée Regional Bank, SACAM Participations representative Olivier Bélorgey Head of Financial Operations of Crédit Agricole S.A. Olivier Gavalda Head of the Regional Banks division François Imbault Chairman of the Crédit Agricole Ile-de-France Regional Bank Isabelle Job-Bazille Head of Crédit Agricole S.A., Economic Research Michel Mathieu Deputy CEO of Crédit Agricole S.A., Head of Central Functions Yves Nanquette CEO of LCL, LCL representative José Santucci Val de France Regional Bank Jean-Pierre Vauzanges Charente-Périgord Regional Bank Non-voting board members: Bertrand Corbeau CEO of Fédération Nationale du Crédit Agricole Thierry Langreney CEO of Pacifica Jérôme Grivet 1 CEO Bruno Carles 21 Deputy CEO for Business Development Brice Leibundgut 3 Corporate Secretary Rolph Harff 4 Head of financial officer Edith Bérard 5 Head of Project Planning and Organisation, and Market Support Serge Bernat 6 Head of Management Control Jean-François Dupouy 7 Head of High Net Worth Clients and Pensions Olivier Gélineau 8 Chief of Human Resources Laurent Goulot 9 Head of IS Migration Eric Martin 10 Head of Actuarial Activities Stéphane Mouret 11 Head of Retail and Personal Risks Cécile Mouton 12 Head of Financial Management Marie-Hélène Muselli 13 Head of Legal Affairs Juliette Nigrelli 14 Head of the Corporate Market Jean-Marc Philippe 15 Head of Risk Management, Audit and Security Yves Thoreau 16 Head of Customer Quality
3 OUR OFFERING BUILD UP savings, prepare for retirement life insurance/savings/pensions Euro and unit-linked life insurance socially-responsible saving, Individual pension plans (PERP), personal risk/creditor insurance Madelin group pension plans dependence, creditor protection insurance Disability/death, funeral insurance, protect your family SECURE your loans cover your property, protect your purchases general insurance SET ASIDE SAVINGS TO BUILD UP CAPITAL 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. COVER YOUR FUNERAL COSTS Settle the question of your funeral, to ease your mind and take a weight off your loved ones PROTECT YOUR FAMILY IN CASE OF DEATH Prepare to protect your loved ones from financial difficulties in case of death. LOSS OF INDEPENDENCE Balance your budget and provide for daily life for yourself and the family in case of dependency. AND OUR SOLUTIONS FOR BUSINESSES Offset a loss of income and cope with a period out of work, offer staff group pension solutions and outsource severance pay management.
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. OUR ASSETS FIGURES (end 2013) 739 employees An integrated bank insurance model A simple, high-performance savings and personal risk insurance range An essential contributor to achieving the ambitions of the Group s project in health cover and pensions 220 billion in assets under management OUR ACTION IN was a year of conquest and development, both in inflows and personal risk cover: 15% (AUM) market share Launch of Floripro, an evolutive life insurance policy to accompany professionals throughout their private and professional lives - 5,000 policies subscribed by end December Roll-out of sales tools (eroue, Floripro and Dependance) for the network to accompany counsellors in their new sales activities, linked with the progressive introduction of tablets. Active support for the bank networks by developing call centres and dispensing training to counsellors to provide more effective support to customers. Develop discretionary management and advisory management mandates to optimise our customer portfolio. 14 million policies 95% of customers satisfied with our services* (modifications, redemptions, successions) *12,000 Predica customers surveyed in 33 Regional Banks and LCL branches AWARD-WINNING PRODUCTS 15 policies developed by Predica and distributed by Crédit Agricole, LCL, La Médicale or brokers and independent financial advisors won awards in 2013 Vers l avenir Floriane Rouge Corinthe series 3 Alyss Bforbank vie Predirente Prediagri retraite Prévilion Funeral Insurance Espace Liberté 2 Valeur prévoyance multipartenaires Top up pension extension Severance extension LCL Top up pension LCL severance pension
5 Assets trend Annual revenue trend* Merger with UAF (5 million additional policies) billion % 9% UL UL * * 16% 16% 16% 17% UL * UL * UL * UL * billion *UL: Unit-linked policies *Including Calie reinsurance Savings-pensions (end 2013): Assets: 219 billion Inflows: 17.1 billion Number of policies: 8.6 million Personal risk (end 2013) Fees: 1,692 million Number of policies: 5.1 million Of which insurance pensions plans: Assets: 3,276 million Inflows: 368 million Number of policies: 702,297 OUR PROSPECTS FOR 2014 With our new objectives, we are contributing to the ambitions 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. Launch of two new policies: Euro-Croissance and Vie-Génération Develop a digital client awareness strategy Redesign of the Predica information system and convergence on a single management platform Contribution to the development of a group health offering for large companies Reinforce offerings for high-net-worth customers Continue to develop activity in alternative channels
6 OUR PRESENCE OUR PARTNERS 39 Crédit Agricole Regional Banks: a network of 7,013 branches in France LCL: a network of 2,081 branches in France UAF Patrimoine: partnerships signed with 750 independent financial advisors La Médicale: a network of 103 general insurance agents in 43 regional agencies OUR CUSTOMERS Individuals Professionals Farmers Corporate LEGAL STATUS AND HEADQUARTERS 50, rue de la Procession Paris Cedex 15 French société anonyme with capital of 960,745,065 euros CAA communications and CSR division 2014 Photos: CAPA Pictures - A. Meyssonnier-Gilles Bassignac, Arnaud Février Crédit Agricole Assurances group in figures (at 31 December 2013) 26.4 BILLION in premium income 235 BILLION of assets under managment 3,500 employees find out more
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