UNIVERSAL REGISTRATION DOCUMENT 2023

7 FINANCIAL STATEMENTS Combined financial statements and notes

31.12.2022

France

International

Total

Property and casualty insurance

Health and individual protection

Property and casualty insurance

Health and individual protection

Savings and pensions

Savings and pensions

(in millions of euros)

Total

Total

Estimates of the present value of future cash flows Non ‑ financial risk adjustment

0

10

0

10

0

18

0

18

28

0

(1)

0

(1)

0

(3)

0

(3)

(4)

Contractual service margin

0

(4)

0

(4)

0

(9)

0

(9)

(13)

Total insurance assets

0

5

0

5

0

6

0

6

11

Estimates of the present value of future cash flows Non ‑ financial risk adjustment

10,509

6,234

43,625 60,368

2,457

241

3,035 5,733 66,100

104

256

441

801

54

12

25

92

893

Contractual service margin

(79)

288

3,232 3,441

0

53

197

250 3,692

Total insurance liabilities

10,534 10,534

6,778 6,773

47,299 64,610 47,299 64,606

2,511 2,511

306 300

3,258 6,074 70,685 3,258 6,068 70,674

TOTAL

The figures presented for 31 December 2022 are pro forma .

265

Document d’Enregistrement Universel 2023 GROUPAMA ASSURANCES MUTUELLES