Groupama // Universal Registration Document 2022

7

FINANCIAL STATEMENTS Combined financial statements and notes

Note 37 Insurance policy servicing expenses

37.1 Insurance policy servicing expenses – by operating segment

31.12.2022

31.12.2021

France International

Total

France International

Total

(in millions of euros)

Claims Paid to policyholders

(10,949)

(1,541)

(12,490)

(10,400)

(1,524)

(11,924)

Change in underwriting reserves Outstanding claims reserves

(1,167)

(36)

(1,203)

(563)

37

(526)

Actuarial reserves

2,069

57

2,126

2,071

45

2,116

Unit ‑ linked reserves

1,052

106

1,158

(2,226)

(114)

(2,341)

Profit sharing

(1,171)

(20)

(1,190)

(1,124)

(76)

(1,201)

Other underwriting reserves

131

3

133

4

(13)

(9)

TOTAL

(10,036)

(1,431)

(11,466)

(12,238)

(1,647)

(13,885)

37.2 Insurance policy servicing expenses – by business 37.2.1 Insurance policy servicing expenses by business – France

31.12.2022

31.12.2021

Property and casualty insurance

Life and health insurance

Property and casualty insurance

Life and health insurance

Total

Total

(in millions of euros)

Claims Paid to policyholders

(4,239)

(6,709)

(10,949)

(3,633)

(6,767)

(10,400)

Change in underwriting reserves Outstanding claims reserves

(1,060)

(107)

(1,167)

(419)

(144)

(563)

Actuarial reserves

2,069

2,069

2,071

2,071

Unit ‑ linked reserves

1,052

1,052

(2,226)

(2,226)

Profit sharing

(1)

(1,170)

(1,171)

(1,124)

(1,124)

Other underwriting reserves

96

35

131

(19)

23

4

TOTAL

(5,204)

(4,832)

(10,036)

(4,072)

(8,167)

(12,238)

264

Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES