AXA CORPORATE PRESENTATION
1
CONTENTS
1. AXA Group P.03
2. AXA in Belgium P.08
1.AXA Belgium P.10
2.AXA Bank P.15
3.A responsible company P.19
2 | AXA Corporate Presentation
Helping over 100 million customers live their lives with more peace of mind
AXA GROUP
Protecting and improving
the lives of millions of
people, every day:
that is our job at AXA.
Henri de Castries, Chairman and CEO
AXA GROUP – International presence
5 | AXA Corporate Presentation
161,000 employees & 30,000 brokers & agents in 59 countries serving over 100 million customers
AXA GROUP – Key indicators
€ 92 billion revenues insurance brand in 2014 for the
5th consecutive year (Interbrand)
No1
6 | AXA Corporate Presentation
€ 5.1 billion
underlying result
266%
solvency ratio 1
(vs minimum of 100%)
A+ (Positive outlook)
Aa3 (Stable outlook)
AA- (Stable outlook)
AXA GROUP – Key figures
INSURANCE GROSS REVENUES
BY REGION (2014)
AXA Corporate Presentation 7 |
UNDERLYING RESULT
BY ACTIVITY (2014)
26%
Protection & Health 33%
Savings & Asset Management
Property & Casualty and international insurance
41%
Mediterranean & Latin America Region
16%
8%
Asia - Pacific
3%
Direct
6%
UK & Ireland
Northern, Central & Eastern Europe
29%
France
25%
United States
14%
Accompanying you in every moment of your life
AXA in Belgium
ASSET MANAGEMENT
AXA in Belgium’s activities
Creating opportunities and covering risks, now and in the future
ASSISTANCE
INSURANCE
AXA Corporate Presentation 9 |
BANK
Opportunities
Risks
Now
Future
AXA Belgium
Flexible insurance solutions adapted to your real needs
AXA Belgium at a glance
4,000
2.9 million customers
4,100 employees
11 | AXA Corporate Presentation
brokers
bank agents
750
PROPERTY & CASUALTY LIFE & SAVINGS
N°1 P&C insurer in Belgium
18.3% market share (Q3 2014)
53% of AXA Belgium’s revenues,
of which:
51% retail
49% corporate
1.3 million vehicles insured
0.9 million houses protected
N°2 Life insurer in Belgium
12.1% market share (Q3 2014)
47% of AXA Belgium’s revenues,
of which:
67% retail
33% corporate
€28 billion assets under
management
0.7 million persons insured in group
insurance
Leader in the Belgian's insurance sector
12 | AXA Corporate Presentation
PROPERTY & CASUALTY LIFE & SAVINGS
Strong results in a low rates environment
13 | AXA Corporate Presentation
996 1.002
1.0251.029
2.025
Retail
2.026
Corporate
0%
215
-3%
2014 2013
222
R
E
V
E
N
U
E
S
O
P
E
R
A
T
I
N
G
R
E
S
U
L
T
1.398 1.213
601615
Retail
Corporate
-10%
1.813 2.012
€m
€m
€m
-7%
2013 2014
167 156
€m
Management Committee AXA Belgium
14 | AXA Corporate Presentation
KOSTER Frank
Chief Executive Officer
DEPAEMELAERE Koen Head of Life, Savings & Protection
BEECKMAN Dirk Head of Retail P&C
VANDEN CAMP André Chief Operating Officer
ROTTIERS Sonja Chief Financial Officer
UYTTERHOEVEN Gunter Chief Marketing Officer & Head of Transformation
SLITS Stéphane Chief Distribution Officer
SONNEVILLE Isabelle Chief Human Resources Officer, Communication & Corporate Responsibility
COUROUBLE Philippe Head of Corporate P&C
AXA Bank Europe
A simple and transparent retail offer in savings and mortgage loans
AXA Bank Europe at a glance
880 employees bank agents
750
16 |
€ 63 million
Net result IFRS in 2014
AXA Corporate PresentationC
0.8 million customers
RETAIL SAVINGS CREDIT LOANS
N°6 in Belgium
€0.5 billion net new money in 2014
N°5 in Belgium
€3.2 billion mortgage loan production
in 2014 (€0.9 billion refinancings)
Financing 125,000 homes
A simple and transparent Belgian retail bank
17 | AXA Corporate Presentation
€16 billion retail savings
€16 billion credit loans
Management Board AXA Bank Europe
AXA Corporate Presentation 18 |
VAN IN Jef Chief Executive Officer
DE RYCKER Sabine Chief Commercial Officer
DUPONT Céline Head of Product Management &
Operations
VERCOUSTRE Emmanuel Deputy CEO – Chief Financial Officer
GILLES Françoise Chief Risk Officer
GHYSEL Jeroen Chief Information Officer
A responsible company
Responsibility is an inherent
part of our mission as an
insurance company.
Frank Koster, CEO AXA Belgium
Is part of AXA’s DNA (protection) as an insurance company
Strategically focusses on Risk Research and Education
2 major Risks identified in Belgium: Climate Change and Longevity
Corporate responsibility @ AXA in Belgium
21 |
Climate
change Longevity
AXA Corporate Presentation
Corporate Responsibility: 6 pillars to have impact
22 |
Employee
empowerment and
engagement
Well-being
Diversity & Inclusion
Product
development (CR
products)
Client education to
prevent risks
Reduced ecological
footprint (building,
transportation,
paper, etc.)
Best Global Green
Brand in the
insurance industry
Community
volunteering through
AXA Hearts in
Action
Skilled Based
Volunteering :
Leverage of AXA
specific
competences
Constructive
relationships with
consumer
associations, NGOs,
Media, Assuralia &
Febelfin and
governments
Responsible
Investment (ESG
Criteria)
Transparency and
ethics in supplier
selection
Responsible and
sustainable
suppliers
WE WANT AXA TO BE A COMPANY WHERE SUSTAINABILITY AND RESPONSIBILITY ARE INTRINSIC PRINCIPLES AT
ALL LEVELS OF THE ORGANIZATION, FROM TOP MANAGEMENT TO ALL INDIVIDUAL EMPLOYEES
AXA Corporate Presentation
23 |
71646260
57
2014 2013 2012 2011 2010
AXA Belgium has reached the strategic
stage with a score of 71/100
"It’s not our responsibility” Defensive
Stage (20-36)
"We'll do what we have to do“
"It’s part of our job”
"It gives us a competitive advantage“ Strategic
Stage (69-84)
“We have to make sure everyone works for this” Civic Stage (85-100)
Compliance Stage
(37-52)
Management Stage
(53-68)
Discover more on http://cr-barometer.axa.com/en/
CR Performance is translated into a CR Index
Strategic Maturity level according to Dow Jones Sustainability Index
AXA Corporate Presentation
AXA Hearts in Action is the Corporate Volunteering Program of AXA. It offers an opportunity to all empoyees to contribute to a social cause by volunteering.
In 2014, the 21 AXA Hearts in Action correspondents organised 38 events:
6000 hours volunteering,
2600 participants,
70 Social Purpose Organisations supported,
AXA Hearts in Action: corporate volunteering
24 |
Social exclusion
Climate change
Longevity
Fighting
exclusion in
all its forms
Footprint
management
in order to
reduce our
CO2
emissions
Prevention
and healthy
aging
AXA Corporate Presentation
Some concrete examples of our actions
25 |
AXA’s employees receive a breakfast
in return for a in-kind or a cash
donation during Exchange
breakfasts
AXA is a founding partner of the
Toekomst Atelier de l’Avenir where
we teach children financial skills
AXA organizes a social Christmas
Market so that 70 non-profits
associations can sell their products
AXA is a long time partner of the
Special Olympics
AXA Running Team organizes
the AXA Foulées in summer
and in winter. Benefits are
given to an association
AXA has an exclusive national
partnership with Relay for Life
where funds are raised for
Cancer Research
AXA Corporate Presentation
1 million euro donated to
professor Carmeliet for
cancer research at the
KUL/VIB
3 million euro donated to AXA
longevity chair in neurosciences
at ULB
Some concrete examples of our actions
26 |
AXA organizes the CR week in all
locations in Belgium with more
than 40 prevention and
volunteering events
AXA is a national partner of
GoodPlanet and wants to
motivate its employees to
contribute to a ‘good planet’
AXA is a national partner of the
Cardiology Foundation and
of the Chevalier du
Coeur/Hartridders
AXA is a proud partner of the
Belgian Coastguards since
many years
AXA supports innovative and cutting-edge projects within the areas of environmental risks, life risks and socio-economic
risks with its AXA Research Fund
AXA Corporate Presentation