Groupama // Universal Registration Document 2022

7

FINANCIAL STATEMENTS Combined financial statements and notes

27.3 Breakdown of underwriting reserves of insurance policies by main category

31.12.2022

31.12.2021

Gross outstanding claims reserves

Gross outstanding claims reserves

Gross life insurance reserves

Gross life insurance reserves

Total

Total

(in millions of euros)

Single ‑ premium policies Capitalisation

22

14

36

32

25

57

Individual insurance

13,403

125

13,528

13,234

111

13,345

Group policies

161

3

163

174

3

177

Other

6

2

8

5

2

7

Total reserves for single ‑ premium policies

13,591

144

13,735

13,446

141

13,587

Periodic premium policies Capitalisation

108

6

114

93

6

99

Individual insurance

5,247

237

5,484

5,776

221

5,996

Group policies

7,406

428

7,835

7,622

397

8,019

Other

2,919

6

2,925

2,744

3

2,747

Total reserves for periodic premium policies

15,680

677

16,357

16,235

626

16,861

Inward reinsurance

2,863

55

2,917

2,800

45

2,845

TOTAL

32,134

876

33,010

32,481

812

33,293

31.12.2022

31.12.2021

Reserves for unearned premiums

Outstanding claims reserves

Reserves for unearned premiums

Outstanding claims reserves

Total

Total

(in millions of euros)

Non ‑ life insurance Motor

896

5,326

6,222

833

5,189

6,022

Bodily injury

287

1,717

2,003

268

1,707

1,975

Property damage

505

3,408

3,913

487

3,004

3,491

General third ‑ party liability Marine, aviation, transport

50

481

531

50

509

559

10

57

67

10

61

71

Other risks

196

2,149

2,344

202

2,013

2,215

Inward reinsurance

19

849

868

24

574

598

TOTAL NON ‑ LIFE RESERVES

1,962

13,986

15,948

1,875

13,055

14,930

250

Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES