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2020 CSR Report

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2020 CSR Report 2020 CSR Report Extract from the Universal Registration Document Prof ile An insurance underwriter since 1850 A COMPREHENSIVE RANGE OF SOCIAL PROTECTION SOLUTIONS 5,156 36 12 340 employees million insureds (1) million (1) savings distribution worldwide under personal risk/ and pensions partners protection policies (2) policyholders worldwide worldwide Our mission is to protect our OPERATIONS IN EUROPE AND LATIN AMERICA policyholders and everything they WITH A STRONG PRESENCE IN BRAZIL hold dear over the long term. With our partners, No. 1 No.2 No. 3 No. 7 we reinvent protection in France in France in Brazil in Europe for term creditor for life for insurance (5) for insurance (6) solutions aligned to each insurance (3) insurance (4) individual’s needs whatever EBIT BY SEGMENT turns their life takes. (€m) €1,350m ATTRIBUTABLE NET PROFIT IN 2020 Personal Risk/ 1,068 Protection insurance €27bn Savings/ premium income 1,140 Pensions in 2020 €326bn Own-funds 406 portfolios average net technical reserves in 2020 (1) Estimates partly based on the number of contracts under management (2) Personal Risk, Health, Term Creditor and Property & Casualty insurance (3) Premium income, 2019 key data, FFA, September 2020; Top 10 term creditor insurance providers by premium income (including inward reinsurance), Argus de l’Assurance, September 2020 (4) 2019 data, FFA, September 2020 (5) Data published in November 2020 by SUSEP (Brazilian insurance supervisor that oversees Caixa Seguradora) (6) Data published in November 2020 on the Bloomberg site, companies ranked by size of technical reserves based on their consolidated financial statements 02 Prof ile An insurance underwriter since 1850 A COMPREHENSIVE RANGE OF SOCIAL PROTECTION SOLUTIONS 5,156 36 12 340 employees million insureds (1) million (1) savings distribution worldwide under personal risk/ and pensions partners protection policies (2) policyholders worldwide worldwide OPERATIONS IN EUROPE AND LATIN AMERICA WITH A STRONG PRESENCE IN BRAZIL No. 1 No.2 No. 3 No. 7 in France in France in Brazil in Europe for term creditor for life for insurance (5) for insurance (6) insurance (3) insurance (4) EBIT BY SEGMENT (€m) €1,350m ATTRIBUTABLE NET PROFIT IN 2020 Personal Risk/ 1,068 Protection insurance €27bn Savings/ premium income 1,140 Pensions in 2020 €326bn Own-funds 406 portfolios average net technical reserves in 2020 (1) Estimates partly based on the number of contracts under management (2) Personal Risk, Health, Term Creditor and Property & Casualty insurance (3) Premium income, 2019 key data, FFA, September 2020; Top 10 term creditor insurance providers by premium income (including inward reinsurance), Argus de l’Assurance, September 2020 (4) 2019 data, FFA, September 2020 (5) Data published in November 2020 by SUSEP (Brazilian insurance supervisor that oversees Caixa Seguradora) (6) Data published in November 2020 on the Bloomberg site, companies ranked by size of technical reserves based on their consolidated financial statements 2020 UNIVERSAL REGISTRATION DOCUMENT - CNP ASSURANCES 03 04 2020 UNIVERSAL REGISTRATION DOCUMENT - CNP ASSURANCES Chapter 1 COMPANY OVERVIEW 1.1 ONE BUSINESS, ONE VISION 06 1.4 GROUP ORGANISATIONAL 1.1.1 Protecting policyholders and STRUCTURE everything they hold dear 06 AT 31 DECEMBER 2020 16 1.1.2 In a changing world 06 1.4.1 Ownership structure 1.1.3 Roadmap 07 (percentage interest) 16 1.4.2 Simplified organisation chart – 1.2 A UNIQUE BUSINESS MODEL 08 international operations 17 1.2.1 An international multi-partner 1.4.3 Simplified organisation chart – business model 10 France 17 1.2.2 Strong and sustainable 11 1.4.4 Main CNP Assurances branches 18 1.2.3 Key dates in the history of CNP Assurances 12 1.5 PERFORMANCE 19 1.5.1 Business, financial and ESG 1.3 MARKET POSITIONING 14 performance 19 1.3.1 In France 14 1.5.2 Key indicators by region 20 1.3.2 In Europe 15 1.5.3 Credit and ESG ratings 20 1.3.3 In Latin America 15 2020 UNIVERSAL REGISTRATION DOCUMENT - CNP ASSURANCES 05 Company overview 1 One business, one vision 1.1 One business, one vision As an insurer, co-insurer, reinsurer and long-term investor, CNP Assurances makes its unique protection and savings expertise available to partners in France, Europe and Latin America, working with them to build solutions that protect insureds whatever their life trajectory. 1.1.1 Protecting policyholders and everything they hold dear Its mission is to protect its policyholders and everything they accident, passing on capital to future generations, ensuring that hold dear, from day-to-day and over the long term. help will be available in the event of a loss of autonomy and increasing medical cost reimbursement rates. CNP Assurances’ Policyholders can have very different needs, such as solutions cover two complementary classes of insurance: maintaining their standard of living after retirement or an Savings/Pensions and Personal Risk/Protection. OFFERS BY SEGMENT SAVINGS/ SAVINGS: Traditional life insurance and life insurance with a unit-linked or Croissance (growth fund) formula PENSIONS PENSIONS: Personal and company pension plans, including PER pension savings plans PERSONAL RISK INSURANCE: Death, temporary and permanent disability insurance, long-term care insurance, unemployment insurance, loss of income insurance, support and assistance services PERSONAL RISK/ TERM CREDITOR AND GUARANTEE INSURANCE: Home loans, consumer finance, business loans PROTECTION HEALTH INSURANCE: Supplementary health insurance, dental insurance PROPERTY & CASUALTY: Comprehensive home-owner insurance, auto insurance See also premium income by segment in section 2.2.2 – 2020 Business review The expertise of an experienced insurer. For over 170 years, make insurance cover affordable for all and manageable for CNP Assurances has offered innovative comprehensive the company. It protects policyholders’ premiums and savings solutions that enable policyholders to move forward in life through long-term investments. In this way, it guarantees that with full peace of mind. How? CNP Assurances assesses and policies are properly executed from start to finish and risks are pools the risks underwritten for its community of insureds, to covered if and when required. 1.1.2 In a changing world Four major trends are shaping CNP Assurances’ business model An offer challenged by low interest rates and determining its strategic choices. and longer life expectancies The uncertain economic environment has encouraged An uncertain environment and precautionary saving, while the persistently low interest rates a compelling need for insurance have depressed returns on traditional life insurance products for The Covid-19 crisis has crippled economic activity, fuelling a a long time to come. The challenge for the Group is to adjust climate of uncertainty and deeper social inequalities. As a major its life insurance offering in order to make products available personal insurance provider in France, Europe and Latin America to savers that are aligned with the new economic environment. with strong community values, CNP Assurances has worked with At the same time, as people live longer, it is faced with the its partners to develop widely affordable solutions that protect challenge of providing support services and financing on a very its insureds whatever their life trajectory. large scale in the final stage of peoples’ lives – by 2050, one in six people worldwide will be over 65 (1). (1) “World Population Prospects 2019”, 2019 report published by the United Nations 06 2020 UNIVERSAL REGISTRATION DOCUMENT - CNP ASSURANCES Company overview One business, one vision 1 The revolution in lifestyles, work Global warming and the erosion environments and social interactions of biodiversity By imposing remote relationships, the Covid crisis has Scientists have been warning us for many years about the triggered a frantic rush to digitization, encompassing not just predictable consequences of global warming and the erosion of home-working and e-purchasing, but human interactions in biodiversity, including the loss of ecosystems and the services general. Omnichannelism will become the norm, responding provided by nature, the global threat to human health and severe to users’ preference for an intuitive and seamless experience. economic disruption. As a responsible insurer and investor, a CNP Assurances is moving up a gear in the digitization of its benchmark player in health protection and a shareholder of processes and relations, leveraging artificial intelligence and many companies, CNP Assurances has a duty to act and to help data while also paying close attention to cybersecurity and the lead all economic players towards a 1.5°C trajectory in line with underlying ethical issues. the Paris Agreement commitments. 1.1.3 Roadmap To meet the challenges of a changing world, CNP Assurances Faced with an ageing global population and a changing has prepared a 2021 roadmap that leverages its integration with dependency ratio, there are growing concerns about how La Banque Postale. future pensions will be funded. CNP Assurances will leverage its positions in the supplementary pensions market and its technical Diversify to insure and include as many expertise to create offers that will support customers in this key people as possible period of their lives. As life expectancies increase, the question is how to enjoy good health and continue living at home for The health, economic and climate crises are driving the emergence as long as possible. CNP Assurances intends to enhance its
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