Groupama // 2021 Universal Registration Document

7 FINANCIAL STATEMENTS Combined financial statements and notes

Insurance policy servicing expenses Note 36

Insurance policy servicing expenses ‒ by operating segment 36.1

31.12.2021

31.12.2020

France

International

Total

France

International

Total

(in millions of euros)

Claims Paid to policyholders

(10,400)

(1,524)

(11,924)

(9,937)

(1,595)

(11,532)

Change in underwriting reserves Outstanding claims reserves

(563)

37

(526)

(773)

21

(751)

Actuarial reserves

2,071

45

2,116

2,000

46

2,046

Unit-linked reserves

(2,226)

(114)

(2,341)

(894)

(1)

(896)

Profit sharing

(1,124)

(76)

(1,201)

(1,031)

(77)

(1,108)

Other underwriting reserves

4

(13)

(9)

(103)

(8)

(111)

TOTAL

(12,238)

(1,647)

(13,885)

(10,739)

(1,614)

(12,352)

Insurance policy servicing expenses ‒ by business 36.2 Insurance policy servicing expenses by business ‒ France 36.2.1

31.12.2021

31.12.2020

Property and casualty insurance

Property and casualty insurance

Life and health insurance

Life and health insurance

Total

Total

(in millions of euros)

Claims Paid to policyholders

(3,633)

(6,767)

(10,400)

(3,776)

(6,161)

(9,937)

Change in underwriting reserves Outstanding claims reserves

(419)

(144)

(563)

(363)

(410)

(773)

Actuarial reserves

2,071

2,071

2,000

2,000

Unit-linked reserves

(2,226)

(2,226)

(894)

(894)

Profit sharing

(1,124)

(1,124)

(5)

(1,026)

(1,031)

Other underwriting reserves

(19)

23

4

(4)

(99)

(103)

TOTAL

(4,072)

(8,167)

(12,238)

(4,147)

(6,591)

(10,739)

Insurance policy servicing expenses by business ‒ International 36.2.2

31.12.2021

31.12.2020

Property and casualty insurance

Property and casualty insurance

Life and health insurance

Life and health insurance

Total

Total

(in millions of euros)

Claims Paid to policyholders

(951)

(574)

(1,524)

(1,013)

(581)

(1,595)

Change in underwriting reserves Outstanding claims reserves

10

27

37

34

(13)

21

Actuarial reserves

45

45

46

46

Unit-linked reserves

(114)

(114)

(1)

(1)

Profit sharing

(76)

(76)

(77)

(77)

Other underwriting reserves

(6)

(7)

(13)

(5)

(3)

(8)

TOTAL

(948)

(699)

(1,647)

(984)

(629)

(1,614)

231

Universal Registration Document 2021 - GROUPAMA ASSURANCES MUTUELLES