UNIVERSAL REGISTRATION DOCUMENT 2023
7 FINANCIAL STATEMENTS Combined financial statements and notes
31.12.2022
France
International
Total
Property and casualty insurance
Property and casualty insurance
Savings and pensions
Financial sector business
Savings and pensions
Health and protection
Holding company
Health and protection
Income statement
Total
Total
Insurance service income
6,280 4,486 1,333
0
0 12,098 1,531
250
68 1,849 13,947
Insurance service expenses
(6,721)
(4,198)
(840)
0
0 (11,759)
(1,519)
(222)
(49)
(1,790) (13,549)
Insurance service result
(441)
288
493
0
0
340
12
28
19
59
399
Premiums allocated to reinsurers (469)
(39)
0
0
0 (507)
(134)
(5)
(0)
(139)
(646)
Amounts received from reinsurers
821
23
0
0
0
844
110
3
0
113
957
Reinsurance result
352
(16)
0
0
0
336
(24)
(2)
(0)
(26)
311
Insurance service result net of reinsurance
(89)
272
493
0
0
676
(12)
26
19
33
709
Investment income
285
211 1,299
8
(40)
1,763
128
8
57
193 1,956
Investment expenses
(60)
(40)
(259)
8
12 (338)
(32)
(1)
(7)
(40)
(378)
Capital gains or losses from divestments net of impairment and depreciation write ‑ backs Change in fair value of financial instruments recorded at fair value through profit or loss Change in impairment on investments Investment income net of expenses Financial income or expenses from insurance contracts Financial income or expenses from reinsurance contracts Financial result from insurance and reinsurance contracts Total investment income net of expenses and financial result from insurance and reinsurance contracts Other current operating income and expenses
(1)
1
85
(1)
141
226
(9)
(1)
(30)
(41)
185
(135)
(157)
(2,047)
(0)
(3)
(2,343)
(20)
(4)
(123)
(147)
(2,490)
(13)
(5)
(6)
0
(0)
(24)
(1)
(0)
(1)
(2)
(26)
76
11 (929)
15
110 (717)
67
2 (105)
(36)
(753)
(59)
(52)
746
0
0
635
(8)
1
81
74
708
7
(7)
0
0
0
(1)
1
(0)
0
1
0
(53)
(59)
746
0
0
634
(7)
1
81
74
708
23
(48)
(183)
15
110
(83)
59
3
(24)
38
(45)
(163)
(89)
(86)
40 (149)
(449)
(33)
(6)
(17)
(56)
(504)
CURRENT OPERATING RESULT
(230)
135
224
55
(39)
144
14
24
(22)
16
160
Total other non ‑ current operating income and expenses
(11)
(1)
(4)
(0)
(4)
(19)
(12)
(2)
(5)
(18)
(37)
OPERATING RESULT
(240)
134
220
55
(43)
125
3
22
(27)
(2)
123
Financing expenses
(3)
(1)
(1)
(0)
(73)
(78)
(1)
(0)
(0)
(1)
(79)
Share of results of associates and joint ventures under the equity method
0
0
0
0
0
0
7
0
0
7
7
Corporate income tax
36
(17)
(61)
(13)
40
(15)
14
(1)
(1)
13
(3)
NET INCOME FROM CONTINUING OPERATIONS (208)
115
158
42
(76)
32
23
21
(28)
16
48
Net income from activities either discontinued or due to be discontinued OVERALL NET INCOME of which, non ‑ controlling interests OF WHICH, NET INCOME (GROUP SHARE)
0
0
0
0
0
0
(31)
(3)
0
(34)
(34)
(208)
115
158
42
(76)
32
(8)
18
(28)
(18)
13
(0)
(0)
(0)
(0)
(0)
(1)
0
0
0
0
(0)
(208)
115
158
42
(76)
31
(8)
18
(28)
(18)
13
The figures presented for 31 December are pro forma .
234
Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES
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