{"id":22162,"date":"2025-02-24T21:07:34","date_gmt":"2025-02-24T21:07:34","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=22162"},"modified":"2025-03-23T10:37:42","modified_gmt":"2025-03-23T10:37:42","slug":"resultats-fev-2024%ef%bd%9cfrance","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/en\/resultats-fev-2024%ef%bd%9cfrance\/","title":{"rendered":"R\u00e9sultats &#8211; F\u00e9v 2025\uff5cFrance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22162\" class=\"elementor elementor-22162\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-caeff9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"caeff9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a29bfb2\" data-id=\"a29bfb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db03839 elementor-widget elementor-widget-text-editor\" data-id=\"db03839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On vous r\u00e9sume les derniers r\u00e9sultats du march\u00e9 de l&#8217;assurance en vous pr\u00e9sentant les chiffres cl\u00e9s publi\u00e9s.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a4039f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a4039f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-03e2371\" data-id=\"03e2371\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90a1b45 elementor-widget elementor-widget-spacer\" data-id=\"90a1b45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90bbe6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90bbe6c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10e870d\" data-id=\"10e870d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d909f28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d909f28\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ad53914\" data-id=\"ad53914\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-746f36a elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"746f36a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"220\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances.png\" class=\"attachment-large size-large wp-image-14667\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances.png 220w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances-80x80.png 80w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances-36x36.png 36w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances-180x180.png 180w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/12\/smacl-assurances-120x120.png 120w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b0f758\" data-id=\"3b0f758\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99c632f elementor-widget elementor-widget-heading\" data-id=\"99c632f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Smacl Assurances : vers un retour \u00e0 l\u2019\u00e9quilibre financier d\u2019ici 2026\n\n\n\n\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-265ff10 elementor-widget elementor-widget-text-editor\" data-id=\"265ff10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.argusdelassurance.com\/les-assureurs\/mutuelles\/collectivites-locales-smacl-assurances-devrait-en-finir-avec-les-deficits-en-2026.234440\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d284f4d elementor-widget elementor-widget-text-editor\" data-id=\"d284f4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La Maif d\u00e9tient 96 % de Smacl Assurances depuis sa recapitalisation en 2023.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smacl \u00e9tait \u00ab quasiment en faillite \u00bb il y a deux ans.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">En 2023, elle enregistrait 200 millions d\u2019euros de pertes, notamment dues aux \u00e9meutes.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les r\u00e9sultats resteront n\u00e9gatifs en 2024 mais en nette am\u00e9lioration.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smacl devrait retrouver l\u2019\u00e9quilibre financier d\u00e8s 2025 et \u00eatre totalement sortie des d\u00e9ficits en 2026.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le chiffre d\u2019affaires et le nombre de collectivit\u00e9s assur\u00e9es sont en croissance.<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Hausse des tarifs et ajustements<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smacl a augment\u00e9 ses tarifs et revu ses garanties, franchises et crit\u00e8res d\u2019acceptation des risques.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectif : r\u00e9tablir des prix coh\u00e9rents avec les niveaux de risque.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Critique du \u00ab dumping tarifaire \u00bb pass\u00e9, qui a aggrav\u00e9 les pertes.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5956eea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5956eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a577bb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a577bb6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b2a71b\" data-id=\"2b2a71b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d2e638b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d2e638b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ec1e562\" data-id=\"ec1e562\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59363bc elementor-widget elementor-widget-image\" data-id=\"59363bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"299\" height=\"124\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/02\/logo-ACM-e1740432297992.png\" class=\"attachment-large size-large wp-image-22164\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d9cd36c\" data-id=\"d9cd36c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af79fe4 elementor-widget elementor-widget-heading\" data-id=\"af79fe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Performances record des Assurances du Cr\u00e9dit Mutuel (ACM) en 2024\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d62d034 elementor-widget elementor-widget-text-editor\" data-id=\"d62d034\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.acm.fr\/fr\/document\/CommuniquePresse\/2025\/2025-02-CP-Resultats-GACM-2024-FR.pdf\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec66a12 elementor-widget elementor-widget-text-editor\" data-id=\"ec66a12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Croissance du chiffre d\u2019affaires<\/span><span style=\"font-weight: 400;\"> : +11,3 %, atteignant 15,2 milliards d\u2019euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultat net en hausse : 983 millions d\u2019euros, soit +19,7 %.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Portefeuille de contrats : 37,9 millions (+2,6 % sur un an).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u2019assurance repr\u00e9sente 24 % du r\u00e9sultat net du groupe Cr\u00e9dit Mutuel Alliance F\u00e9d\u00e9rale (CMAF).<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Collecte record en assurance vie<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecte brute : 8,6 milliards d\u2019euros (+16,3 %), avec une progression du fonds euros (+17 %) et des unit\u00e9s de compte (+14,5 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecte nette : 2,7 milliards d\u2019euros, en hausse d\u20191 milliard d\u2019euros par rapport \u00e0 2023.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9serves solides : PPE \u00e0 6,3 % de l\u2019encours \u00e0 fin 2024 (contre 6,9 % en 2023).<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Croissance des assurances de biens et de personnes<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurance de risques<\/span><span style=\"font-weight: 400;\"> : CA en hausse de 5,4 % (6,6 milliards d\u2019euros).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurance auto : +3,1 % (3,2 millions de contrats).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurance habitation : +2,1 % (3,1 millions de contrats).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurances de personnes : +4 %.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Am\u00e9lioration du ratio combin\u00e9 des assurances de biens : 100,2 % (contre 102,1 % en 2023).<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a2a63 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23a2a63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9570ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9570ac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ae6018\" data-id=\"6ae6018\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-75aaffe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75aaffe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b2098de\" data-id=\"b2098de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b3da31 elementor-widget elementor-widget-image\" data-id=\"0b3da31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"235\" height=\"79\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/09\/stoik-logo-e1777368126292.png\" class=\"attachment-large size-large wp-image-19756\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/09\/stoik-logo-e1777368126292.png 235w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/09\/stoik-logo-e1777368126292-18x6.png 18w\" sizes=\"(max-width: 235px) 100vw, 235px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d64fa0d\" data-id=\"d64fa0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38c049c elementor-widget elementor-widget-heading\" data-id=\"38c049c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Croissance et objectifs de Sto\u00efk en assurance cyber\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf05b64 elementor-widget elementor-widget-text-editor\" data-id=\"cf05b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.argusdelassurance.com\/tech\/assurance-cyber-stoik-espere-presque-doubler-son-volume-de-primes-en-2025.234593\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df13a85 elementor-widget elementor-widget-text-editor\" data-id=\"df13a85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primes atteintes en 2024<\/span><span style=\"font-weight: 400;\"> : 25 millions d\u2019euros, couvrant 5 000 entreprises (France et Allemagne).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectif 2025 : 45 millions d\u2019euros de primes et 9 000 entreprises couvertes.<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Performance et rentabilit\u00e9<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ratio sinistres\/primes (S\/P)<\/span><span style=\"font-weight: 400;\"> : inf\u00e9rieur \u00e0 20 % pour la troisi\u00e8me ann\u00e9e cons\u00e9cutive.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cible pour 2025 : maintenir un ratio S\/P sous 40 %.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Facteurs de succ\u00e8s : approche combinant assurance et pr\u00e9vention, politique de souscription rigoureuse.<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>\u00c9volution de l\u2019offre<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ajout de la garantie de protection juridique (PJ) avec CFDP en 2024.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lancement pr\u00e9vu d\u2019une couverture combin\u00e9e cyber et RC Pro en avril 2025.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-471a6ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"471a6ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb5822b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb5822b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6dd7df6\" data-id=\"6dd7df6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dff1581 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dff1581\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c3b34ae\" data-id=\"c3b34ae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6c0d79 elementor-widget elementor-widget-image\" data-id=\"d6c0d79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"289\" height=\"60\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/03\/Generali-Employee-Benefits-e1677673172354.png\" class=\"attachment-large size-large wp-image-14922\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3d266c5\" data-id=\"3d266c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dd77d0 elementor-widget elementor-widget-heading\" data-id=\"6dd77d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Generali : Forte dynamique de collecte et ambitions renforc\u00e9es pour 2025\n\n\n\n\n\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b41351c elementor-widget elementor-widget-text-editor\" data-id=\"b41351c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.argusdelassurance.com\/epargne\/epargne-generali-france-a-fait-bondir-sa-collecte-brute-de-47-en-2024.234585\" target=\"_blank\" rel=\"noopener\">Source 1 &#8211;<\/a><a href=\"https:\/\/presse.generali.fr\/actualites\/investor-day-generali-2025-55657-a5035.html\" target=\"_blank\" rel=\"noopener\">Source 2\u00a0<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71f6335 elementor-widget elementor-widget-text-editor\" data-id=\"71f6335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\">Collecte brute : 9,6 milliards d\u2019euros (+47 %), dont 52 % en unit\u00e9s de compte (UC).<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Collecte nette : redevenue positive (environ 2,6 milliards d\u2019euros \u00e0 2,7 milliards d\u2019euros).<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Encours total : 82 milliards d\u2019euros, avec une r\u00e9partition \u00e9quilibr\u00e9e entre fonds euros et UC.<\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Strat\u00e9gie d\u2019investissement et rendement<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\">Taux moyen du fonds euros : 2,53 %, avec des boosts li\u00e9s \u00e0 la part d\u2019UC.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Utilisation des r\u00e9serves (PPB) : \u00e0 hauteur de 2,6 %, dans la moyenne du march\u00e9.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Rachats partiels sur UC en private equity : bloqu\u00e9s 4 ans, p\u00e9nalit\u00e9 de 5 % \u00e0 20 %.<\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Perspectives 2025<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\">Objectif de collecte brute : 7,5 milliards d\u2019euros, avec un \u00e9quilibre ma\u00eetris\u00e9 entre UC et fonds euros.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Contexte favorable : baisse des taux courts, incertitudes g\u00e9opolitiques favorisant l\u2019\u00e9pargne.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Plan strat\u00e9gique 2025-2027 :<ul><li style=\"font-weight: 400;\" aria-level=\"2\">Recrutement de 100 nouveaux agents et 200 conseillers.<\/li><li style=\"font-weight: 400;\" aria-level=\"2\">Maintien du leadership sur les produits structur\u00e9s et UC.<\/li><li style=\"font-weight: 400;\" aria-level=\"2\">Objectif de 10 % de part de march\u00e9 sur le PER salari\u00e9 et ind\u00e9pendant.<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6fcc06 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f6fcc06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9326dbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9326dbe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9bcfe1\" data-id=\"e9bcfe1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4b06086 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b06086\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-669d418\" data-id=\"669d418\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e37c711 elementor-widget elementor-widget-image\" data-id=\"e37c711\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-1030x579.jpg\" class=\"attachment-large size-large wp-image-14146\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-1030x579.jpg 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-705x397.jpg 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-450x253.jpg 450w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d5763bb\" data-id=\"d5763bb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e04afab elementor-widget elementor-widget-heading\" data-id=\"e04afab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit Mutuel : R\u00e9sultats en forte croissance <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41dfcce elementor-widget elementor-widget-text-editor\" data-id=\"41dfcce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.credit-agricole.com\/chaines-d-infos\/toutes-les-chaines-d-info-du-groupe-credit-agricole\/a-la-une\/resultats-du-4e-trimestre-et-de-l-annee-2024\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21b0fb0 elementor-widget elementor-widget-text-editor\" data-id=\"21b0fb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>R\u00e9sultats financiers 2024<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires<\/span><span style=\"font-weight: 400;\"> : 43,6 milliards d\u2019euros (+17,2 %, record historique).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">France : 36,6 milliards d\u2019euros (+13,1 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">International : 7 milliards d\u2019euros (+44 %), avec une forte progression en Italie (4,8 milliards d\u2019euros).<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultat net part du groupe (RNPG) : 1,96 milliard d\u2019euros (+11,5 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ratio combin\u00e9 : 94,4 % (-2,7 points, gr\u00e2ce \u00e0 une sinistralit\u00e9 favorable).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ratio de solvabilit\u00e9 II : &gt;200 % \u00e0 fin 2024.<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>\u00c9pargne et retraite<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires<\/span><span style=\"font-weight: 400;\"> : 32,1 milliards d\u2019euros (+21,5 %).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fonds euros : collecte brute de 20,7 milliards d\u2019euros (+44,6 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Unit\u00e9s de compte (UC) : 11,4 milliards d\u2019euros (-6,2 %, baisse due aux conditions de march\u00e9).<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecte nette : +6,6 milliards d\u2019euros (vs. -0,3 milliards d\u2019euros en 2023).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Positive sur les fonds euros (+2,2 milliards d\u2019euros) et sur les UC (+4,4 milliards d\u2019euros).<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Encours total en assurance vie : 347,3 milliards d\u2019euros (+5,1 %).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">UC : 104,1 milliards d\u2019euros (+9,1 %), soit 30 % du total.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fonds euros : 243,2 milliards d\u2019euros (+3,5 %).<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9serves PPE : 7,5 milliards d\u2019euros (3,3 % des encours).<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Assurance dommages<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires<\/span><span style=\"font-weight: 400;\"> : 6,2 milliards d\u2019euros (+8,2 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Portefeuille de contrats : 16,7 millions (+5,3 %), dont 563 000 nouveaux contrats en un an.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taux d\u2019\u00e9quipement des clients bancaires :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Caisses r\u00e9gionales : 43,9 % (+0,8 pt).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">LCL : 27,9 % (+0,4 pt).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">CA Italia : 20,0 % (+1,2 pt).<\/span><\/li><\/ul><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Assurances collectives et pr\u00e9voyance<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires<\/span><span style=\"font-weight: 400;\"> : 5,3 milliards d\u2019euros (+4,6 %).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurances collectives : +21,8 %.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Pr\u00e9voyance individuelle : +6,6 %.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nouveau contrat majeur : assurance maladie des personnels des Industries \u00c9lectriques et Gazi\u00e8res (IEG) \u00e0 partir du 1er juillet 2025 (310 000 b\u00e9n\u00e9ficiaires, 70 millions d\u2019euros de primes annuelles).<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9655a7e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9655a7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1a76a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1a76a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b62c401\" data-id=\"b62c401\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-286e087 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"286e087\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ff279ec\" data-id=\"ff279ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-514e89a elementor-widget elementor-widget-image\" data-id=\"514e89a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"255\" height=\"63\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Alan-e1780386515493.png\" class=\"attachment-large size-large wp-image-14164\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Alan-e1780386515493.png 255w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Alan-e1780386515493-18x4.png 18w\" sizes=\"(max-width: 255px) 100vw, 255px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8873221\" data-id=\"8873221\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdbf949 elementor-widget elementor-widget-heading\" data-id=\"bdbf949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Forte croissance, expansion r\u00e9ussie, mais rentabilit\u00e9 toujours attendue pour Alan\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8bbc1 elementor-widget elementor-widget-text-editor\" data-id=\"3a8bbc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/alan.com\/fr-fr\/blog\/tout-alan\/a\/alan-2024-q4-lettre-aux-actionnaires\" target=\"_blank\" rel=\"noopener\">Source 1 &#8211; <\/a><a href=\"https:\/\/www.argusdelassurance.com\/assurance-de-personnes\/sante\/alan-se-developpe-et-reduit-ses-pertes.234351\" target=\"_blank\" rel=\"noopener\">Source 2\u00a0<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374db16 elementor-widget elementor-widget-text-editor\" data-id=\"374db16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>R\u00e9sultats financiers 2024<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pertes nettes<\/span><span style=\"font-weight: 400;\"> : -54 millions d\u2019euros (vs -59 millions d\u2019euros en 2023).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Repr\u00e9sente 14 % du chiffre d\u2019affaires (vs 21 % en 2023).<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectif de rentabilit\u00e9 :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">March\u00e9 fran\u00e7ais : initialement pr\u00e9vu pour 2025, potentiellement retard\u00e9.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Groupe : vis\u00e9 pour fin 2026.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Levier de croissance : accent mis sur l\u2019IA pour am\u00e9liorer l\u2019automatisation (+20 % \u00e0 +40 %).<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Expansion et partenariats<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Succ\u00e8s majeurs dans la protection sociale compl\u00e9mentaire (PSC) des fonctionnaires<\/span><span style=\"font-weight: 400;\"> :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Contrats du minist\u00e8re de la Transition \u00e9cologique et des services du Premier ministre (65 000 agents couverts).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Affiliation de plus de 90 % des agents d\u00e8s octobre 2024.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00e9veloppement en Belgique : partenariat avec Belfius (ex-Dexia Banque).<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Lev\u00e9e de fonds de 173 millions d\u2019euros, valorisation port\u00e9e \u00e0 4 milliards d\u2019euros<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Montant total lev\u00e9 depuis 2016 : 666 millions d\u2019euros.<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Objectifs et nouvelles offres<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2025<\/span><span style=\"font-weight: 400;\"> :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">700 millions d\u2019euros de revenu annuel r\u00e9current (+40 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">1 million d\u2019assur\u00e9s d\u2019ici 12 \u00e0 18 mois.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Renforcement sur la fonction publique territoriale.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nouveau produit :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Alan Dolce Vita : compl\u00e9mentaire sant\u00e9 pour retrait\u00e9s jusqu&#8217;\u00e0 75 ans.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retour pr\u00e9vu sur le march\u00e9 de l\u2019assurance sant\u00e9 individuelle apr\u00e8s une premi\u00e8re tentative infructueuse.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d14853b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d14853b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-070e0d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"070e0d0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82a265c\" data-id=\"82a265c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d7435aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7435aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-828b3fa\" data-id=\"828b3fa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f341c14 elementor-widget elementor-widget-image\" data-id=\"f341c14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"242\" height=\"112\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/03\/BNP-Paribas-e1767800307699.jpg\" class=\"attachment-large size-large wp-image-17433\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/03\/BNP-Paribas-e1767800307699.jpg 242w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2024\/03\/BNP-Paribas-e1767800307699-18x8.jpg 18w\" sizes=\"(max-width: 242px) 100vw, 242px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-420df16\" data-id=\"420df16\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6b4e00 elementor-widget elementor-widget-heading\" data-id=\"e6b4e00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BNP Paribas : une ann\u00e9e 2024 solide, port\u00e9e par l\u2019assurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f2feb elementor-widget elementor-widget-text-editor\" data-id=\"f8f2feb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/cdn-group.bnpparibas.com\/uploads\/file\/CP_BNPP_R%C3%A9sultats_Q4_Annuels_2024_FR.pdf\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc7b3f8 elementor-widget elementor-widget-text-editor\" data-id=\"dc7b3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net : 11,68 milliards d\u2019euros (+4,3 % vs 2023).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Produit net bancaire (PNB) : 48,8 milliards d\u2019euros (+4,1 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurance :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires : 36 milliards d\u2019euros\u00a0 (+7,1 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">R\u00e9sultat des activit\u00e9s d\u2019assurance : 2,21 milliards d\u2019euros (+2,3 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Collecte brute en \u00e9pargne au 4e trimestre : +33,6 % vs T4 2023.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Actifs sous gestion : 287 milliards d\u2019euros.\u00a0<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acquisitions &amp; partenariats :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Finalisation de l\u2019acquisition de Neuflize Vie.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Rachat d\u2019Axa IM, finalisation attendue mi-2025.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectifs 2025-2026 :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Acc\u00e9l\u00e9ration de la croissance via de nouveaux partenariats.<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-52fb34e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"52fb34e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09ee532 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"09ee532\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-464a9ee\" data-id=\"464a9ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d165b13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d165b13\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-05402d2\" data-id=\"05402d2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6aff637 elementor-widget elementor-widget-image\" data-id=\"6aff637\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"489\" height=\"103\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/societe-generale.png\" class=\"attachment-large size-large wp-image-14227\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/societe-generale.png 489w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/societe-generale-300x63.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/societe-generale-450x95.png 450w\" sizes=\"(max-width: 489px) 100vw, 489px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0a4b2ec\" data-id=\"0a4b2ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b52421a elementor-widget elementor-widget-heading\" data-id=\"b52421a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Soci\u00e9t\u00e9 G\u00e9n\u00e9rale : R\u00e9sultats financiers solides\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14cd215 elementor-widget elementor-widget-text-editor\" data-id=\"14cd215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.societegenerale.com\/fr\/actualites\/communiques-de-presse\/communique-societe-generale-assurances-des-resultats-2024-records-au-service-dune-croissance-durable\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9de5ab elementor-widget elementor-widget-text-editor\" data-id=\"f9de5ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-weight: 400;\">Revenus (PNB) : <\/span>674 millions d\u2019euros<span style=\"font-weight: 400;\"> (+9 %)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultat net part du groupe (RNPG) : <\/span>393 millions d\u2019euros<span style=\"font-weight: 400;\"> (+10 %)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ratio de solvabilit\u00e9 : <\/span>&gt;180 %<\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Encours et primes en forte croissance<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Encours total : <\/span>146 milliards d\u2019euros<span style=\"font-weight: 400;\"> (+10 milliards d&#8217;euros sur l\u2019ann\u00e9e)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total des primes : <\/span>&gt;20 milliards d\u2019euros<span style=\"font-weight: 400;\"> (+37 %)<\/span><\/li><\/ul><h6>\u00a0<\/h6><h6><strong>\u00c9pargne : collecte brute et nette record<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecte brute : <\/span>18,3 milliards d\u2019euros<span style=\"font-weight: 400;\"> (+42 %)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">En France : +32 % (vs 14 % pour le march\u00e9)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Part des unit\u00e9s de compte (UC) : <\/span>40 % au global, 39 % en France<\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Taux de rendement et r\u00e9serves solides<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rendement moyen du fonds euros : <\/span>3,31 %<span style=\"font-weight: 400;\"> (+81 points de base par rapport au march\u00e9)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9serves de participation aux b\u00e9n\u00e9fices (PPB) : <\/span>6 %<\/li><\/ul><h6>\u00a0<\/h6><h6><strong>Dynamique positive en assurance dommages et protection<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primes totales en protection (pr\u00e9voyance, dommages, emprunteur) : <\/span>2 milliards d\u2019euros<span style=\"font-weight: 400;\"> (+4 %)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurance dommages : <\/span>+8 %<span style=\"font-weight: 400;\"> vs 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