GROUPAMA / 2018 Registration document

FINANCIAL STATEMENTS CONSOLIDATED FINANCIAL STATEMENTS AND NOTES

Technical liabilities related to insurance policies – by business Note 25.2 Technicalliabilities related to insurance policies – by business –France Note 25.2.1

31.12.2018

31.12.2017

Property and casualty insurance

Property and casualty insurance

Life and health insurance

Life and health insurance

Total

Total

(in millions of euros)

Gross technical reinsurance r serves Life insurance reserves

31,787

31,787

31,723

31,723

Outstanding claimsreserves

622

622

629

629

Reserves forprofit sharing

552

552

240

240

Other technical reserves

3

3

2

2

Total Life insurance

32,965

32,965

32,594

32,594

Reserves forunearned premiums

31

691

723

25

681

706

Outstanding claimsreserves

717

5,800

6,517

658

5,743

6,400

Other technical reserves

1,884 2,633 8,480

999

2,883

1,896

983

2,879

Total Non-life insurance

7,490

10,122

2,578

7,406

9,985

Life insurance reservesforunit-linkedpolicies

8,480

8,708

8,708

TOTAL

44,077

7,490

51,567

43,881

7,406

51,287

A more detailed approachwas taken in the allocationsof policies. A transfer of the profit-sharingreserve took place between the technical liabilities relating to insurancepolicies to the technicalliabilities relating to financialcontracts.

Technicalliabilities related to insurance policies – by business –International Note 25.2.2

7

31.12.2018

31.12.2017

Property and casualty insurance

Property and casualty insurance

Life and health insurance

Life and health insurance

Total

Total

(in millions of euros)

Gross technical reinsurance r serves Life insurance reserves

759

759

800

800

Outstanding claimsreserves

67

67

68

68

Reserves forprofit sharing

3

3

4

4

Other technical reserves

18

18

21

21

Total Life insurance

847

847 676

893

893 650

Reserves forunearned premiums

60

616

67

583

Outstanding claimsreserves

89

1,990

2,079

78

2,057

2,135

Other technical reserves

9

26

35

12

24

36

Total Non-life insurance

158 999

2,632

2,790

156

2,664

2,821

Life insurance reservesforunit-linkedpolicies

999

1,040

1,040

TOTAL

2,004

2,632

4,636

2,089

2,664

4,754

251

REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES