{"id":22702,"date":"2025-03-24T19:50:04","date_gmt":"2025-03-24T19:50:04","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=22702"},"modified":"2025-03-26T11:12:01","modified_gmt":"2025-03-26T11:12:01","slug":"resultats-mars-2025%ef%bd%9cfrance","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/en\/resultats-mars-2025%ef%bd%9cfrance\/","title":{"rendered":"R\u00e9sultats &#8211; Mars 2025\uff5cFrance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22702\" class=\"elementor elementor-22702\" 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.<\/p><ul><li><a href=\"#partnerre\">PartnerRe<\/a>\u00a0<\/li><li><a href=\"#allianzpartners\">Allianz <\/a><a href=\"#allianz\">Partners<\/a><\/li><li><a href=\"#axa\">Axa<\/a><\/li><li><a href=\"#cnp\">CNP Assurances<\/a><\/li><li><a href=\"#generali\">Generali<\/a><\/li><li><a href=\"#malakoff\">Malakoff Humanis<\/a><\/li><li><a href=\"#direct\">Direct Assurance<\/a><\/li><li><a href=\"#swisslife\">Swiss Life<\/a><\/li><li><a href=\"#swissre\">Swiss Re<\/a><\/li><li><a href=\"#bnp\">BNP Paribas Cardif<\/a><\/li><li><a href=\"#ccr\">CCR<\/a><\/li><li><a href=\"#scor\">Scor<\/a><\/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<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<div class=\"elementor-element elementor-element-3a16216 elementor-widget elementor-widget-menu-anchor\" data-id=\"3a16216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"partnerre\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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 fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"428\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/PartnerRe_logo.svg-1030x551.png\" class=\"attachment-large size-large wp-image-22704\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/PartnerRe_logo.svg-1030x551.png 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/PartnerRe_logo.svg-300x161.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/PartnerRe_logo.svg-768x411.png 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/PartnerRe_logo.svg.png 1200w\" 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-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\">PartnerRe : Croissance du chiffre d'affaires en 2024, mais baisse du b\u00e9n\u00e9fice net et du r\u00e9sultat d'exploitation\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.partnerre.com\/news\/partnerre-ltd-reports-full-year-2024-results\/\" 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;\">Chiffre d&#8217;affaires 2024 : Progression de 2,7% \u00e0 9,35 milliards de dollars.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net : Baisse de pr\u00e8s de 38% \u00e0 1,44 milliard de dollars.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultat d&#8217;exploitation : Baisse \u00e0 1,22 milliard de dollars (contre 1,45 milliard en 2023).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retour sur investissement : 14% (contre 20% en 2023).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Activit\u00e9 non-vie : R\u00e9sultat technique de 532 millions de dollars, ratio combin\u00e9 de 90,6%.<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Impact de sinistres li\u00e9s \u00e0 des catastrophes et renforcement des provisions aux \u00c9tats-Unis.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Activit\u00e9 vie et sant\u00e9 : Croissance solide, contribuant \u00e0 hauteur de 190 millions de dollars au r\u00e9sultat net de souscription.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Portefeuille d&#8217;investissement : Croissance de pr\u00e8s de 20% du revenu net des placements, atteignant 773 millions de dollars.<\/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-30f3223 elementor-widget elementor-widget-menu-anchor\" data-id=\"30f3223\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"allianz\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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__width-initial 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=\"505\" height=\"100\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/03\/Allianz-Partners-logo.png\" class=\"attachment-large size-large wp-image-14997\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/03\/Allianz-Partners-logo.png 505w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/03\/Allianz-Partners-logo-300x59.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/03\/Allianz-Partners-logo-450x89.png 450w\" sizes=\"(max-width: 505px) 100vw, 505px\" \/>\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\">Allianz : Forte croissance en 2024, mais prudence sur la gestion d'actifs et les risques majeurs<\/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.allianz.com\/en\/mediacenter\/news\/media-releases\/financials\/250228-allianz-4q-fy2024-earnings-release.html\" 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;\">Chiffre d&#8217;affaires global de 179,8 milliards d\u2019euros (+11,2%) et une augmentation de pr\u00e8s de 9% de son r\u00e9sultat op\u00e9rationnel par rapport \u00e0 2023.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultats par secteur :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurance dommages : +8,3% \u00e0 82,88 milliards d\u2019euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Sant\u00e9-vie : +14,7% \u00e0 89,32 milliards d\u2019euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Gestion d&#8217;actifs : +3% \u00e0 8,3 milliards d\u2019euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultats financiers :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">R\u00e9sultat op\u00e9rationnel global : +8,7% \u00e0 16 milliards d\u2019euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">R\u00e9sultat net : +16,7% \u00e0 10,54 milliards d\u2019euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net attribuable aux actionnaires : +10,1% \u00e0 10 milliards d\u2019euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Performance en France :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">R\u00e9sultat op\u00e9rationnel stable en dommages : 527 millions d\u2019euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Baisse de 5% en sant\u00e9-vie.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ratio combin\u00e9 en dommages d\u00e9grad\u00e9 \u00e0 98,8% (contre 95,7% en 2023).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Solvabilit\u00e9 stable \u00e0 209%, avec un programme de rachat d&#8217;actions de 2 milliards d\u2019euros annonc\u00e9 pour 2025.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prudence sur certains risques : Exposition aux m\u00e9ga-incendies en Californie estim\u00e9e \u00e0 des millions d\u2019euros sans inqui\u00e9tudes majeures. Pas de nouvelles sur les r\u00e9centes \u00e9meutes en Nouvelle-Cal\u00e9donie. Allianz reste prudent sur la gestion d&#8217;actifs, malgr\u00e9 des rumeurs de discussions avec Amundi.<\/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-7112f41 elementor-widget elementor-widget-menu-anchor\" data-id=\"7112f41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"axa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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-c8a51b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8a51b1\" 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-c06fb92\" data-id=\"c06fb92\" 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-b2c3cb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2c3cb7\" 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-e90c693\" data-id=\"e90c693\" 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-5d296a0 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"5d296a0\" 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=\"800\" height=\"584\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-1030x752.png\" class=\"attachment-large size-large wp-image-16030\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-1030x752.png 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-300x219.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-768x561.png 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-705x515.png 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868-450x329.png 450w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/1200px-AXA_Logo.svg_-e1690966479868.png 1200w\" 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-a5033c2\" data-id=\"a5033c2\" 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-0e6249e elementor-widget elementor-widget-heading\" data-id=\"0e6249e\" 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\">Axa : en avance sur sa trajectoire de croissance, mais reste vigilante sur l'assurabilit\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0e7b0d elementor-widget elementor-widget-text-editor\" data-id=\"c0e7b0d\" 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.axa.com\/en\/news\/full-year-earnings-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-60ebc95 elementor-widget elementor-widget-text-editor\" data-id=\"60ebc95\" 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;\">Chiffres d\u2019affaires de 110 milliards d&#8217;euros, avec une progression de 8%.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat op\u00e9rationnel a augment\u00e9 de 7%, atteignant 8,078 milliards d&#8217;euros<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat net de 11%, \u00e0 7,886 milliards d&#8217;euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Croissance des primes :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">+7% en dommages, +9% en vie et \u00e9pargne-retraite, +8% en sant\u00e9.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">En France : +8% en dommages (8,98 milliards d&#8217;euros), +6% en vie, \u00e9pargne, retraite et sant\u00e9 (19,89 milliards d&#8217;euros), soit une croissance globale de +7% (29 milliards d&#8217;euros).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Performances en France :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Le r\u00e9sultat op\u00e9rationnel record atteint 2,071 milliards d&#8217;euros (+3% par rapport \u00e0 2023).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">En assurance dommages, la croissance est plus marqu\u00e9e chez les particuliers (+4,8% des primes), avec 420 000 contrats suppl\u00e9mentaires en 2024, devan\u00e7ant l\u00e9g\u00e8rement l&#8217;objectif d&#8217;un million de contrats suppl\u00e9mentaires d&#8217;ici 2026.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gestion des tarifs et rentabilit\u00e9 :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Hausse des tarifs en 2024 : +3,2% pour les entreprises et +10% pour les particuliers.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Le r\u00e9sultat op\u00e9rationnel dommages en France a augment\u00e9 de 5% \u00e0 1,161 milliard d&#8217;euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Forte croissance en sant\u00e9 (+13%) et unit\u00e9s de compte (+12%), mais stagnation en pr\u00e9voyance et fonds euros (0%).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cessions et rachats d&#8217;actions :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">La cession des activit\u00e9s de gestion d&#8217;actifs \u00e0 BNP Paribas, attendue pour le 1er semestre 2025, devrait g\u00e9n\u00e9rer 1,6 milliard d&#8217;euros de liquidit\u00e9s.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Un programme de rachat d&#8217;actions de 3,8 milliards d&#8217;euros a \u00e9t\u00e9 annonc\u00e9, avec un autre de 1,2 milliard pour 2025.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact des catastrophes naturelles l\u00e9g\u00e8rement inf\u00e9rieur aux attentes (3,8% du chiffre d&#8217;affaires dommages), avec un co\u00fbt de 358 millions d&#8217;euros pour le march\u00e9 fran\u00e7ais.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Solvabilit\u00e9 : Baisse de 11 points \u00e0 216%, en raison d&#8217;effets de march\u00e9.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strat\u00e9gie de risque : Axa mise sur une diversification de son portefeuille et une gestion proactive des risques pour maintenir sa position, sans se d\u00e9sengager d&#8217;aucune zone g\u00e9ographique.<\/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-46f6acd elementor-widget elementor-widget-menu-anchor\" data-id=\"46f6acd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"cnp\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f7ff27 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9f7ff27\" 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-tablet__width-initial elementor-widget__width-initial 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 loading=\"lazy\" decoding=\"async\" width=\"266\" height=\"190\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/CNP-assurances-logo.png\" class=\"attachment-large size-large wp-image-14153\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/CNP-assurances-logo.png 266w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/CNP-assurances-logo-260x185.png 260w\" sizes=\"(max-width: 266px) 100vw, 266px\" \/>\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\">CNP : Un d\u00e9veloppement dynamique et des engagements ESG reconnus\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.cnp.fr\/le-groupe-cnp-assurances\/newsroom\/communiques-de-presse\/2025\/resultats-annuels-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-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;\">Le chiffre d\u2019affaires est de 37,4 milliards d\u2019euros (+6 cc % vs 31.12.23).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat net part du Groupe s\u2019\u00e9l\u00e8ve \u00e0 1 582 millions d\u2019euros (+2 % vs 31.12.23).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le taux de couverture du SCR s\u2019\u00e9l\u00e8ve \u00e0 237% (- 16 pts vs 31.12.23).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les capitaux propres s\u2019\u00e9l\u00e8vent \u00e0 21,0 milliards d\u2019euros (- 1,3 milliards d\u2019euros vs 31.12.23).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La marge pour services contractuels nette (CSMN) s\u2019\u00e9tablit \u00e0 9,9 milliards d\u2019euros (- 1,5 milliards d\u2019euros vs 31.12.23).<\/span><\/li><\/ul><div>\u00a0<\/div><h6><b>Indicateurs extra-financiers<\/b><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obtention de la meilleure note AAA par l\u2019agence MSCI, avec un score de 9,7 sur 10.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les encours d\u2019investissements verts atteignent 29,4 milliards d\u2019euros (en hausse de 2,2 milliards d\u2019euros\u00a0 vs 31.12.23).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les encours d\u2019investissements \u00e0 impact s\u2019\u00e9l\u00e8vent \u00e0 1,7 milliards d\u2019euros\u00a0 (vs 1,6 milliards d\u2019euros\u00a0 fin 2023).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u2019empreinte carbone de leurs investissements est en baisse de 58 % en 5 ans \u00e0 45 kgCO2e\/k\u20ac investi.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u2019index d\u2019\u00e9galit\u00e9 femmes-hommes de CNP Assurances SA atteint 100\/100 (2\u00e8me ann\u00e9e cons\u00e9cutive).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le Groupe propose d\u00e9sormais 14 produits destin\u00e9s aux populations vuln\u00e9rables.<\/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-8fc8072 elementor-widget elementor-widget-menu-anchor\" data-id=\"8fc8072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"generali\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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__width-initial 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 : B\u00e9n\u00e9fice record en 2024 malgr\u00e9 les catastrophes naturelles\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:\/\/presse.generali.fr\/actualites\/resultats-2024-1f2ea-a5035.html\" 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-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\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net ajust\u00e9 : En hausse de 5,4% \u00e0 3,8 milliards d&#8217;euros, un record pour Generali en 2024.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice op\u00e9rationnel : Augmentation de 8,2% \u00e0 7,3 milliards d&#8217;euros, le plus \u00e9lev\u00e9 de l&#8217;histoire du groupe, d\u00e9passant les attentes des analystes.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primes brutes : Augmentation de 14,9% \u00e0 95,2 milliards d&#8217;euros, sup\u00e9rieur aux pr\u00e9visions du march\u00e9.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Performance des segments :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Gestion d&#8217;actifs : +22,6%, boost\u00e9e par la consolidation de Conning Holdings.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurance-vie : +6,6%.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurance dommages : +5,1% malgr\u00e9 l&#8217;impact des catastrophes naturelles.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Catastrophes naturelles : Pertes de 1,2 milliard d&#8217;euros en 2024 (contre 1,1 milliard en 2023).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Solvabilit\u00e9 : Le ratio \u00e9conomique de solvabilit\u00e9 a baiss\u00e9 \u00e0 210% (contre 220% en 2023), en raison des acquisitions.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ratio combin\u00e9 : Stable \u00e0 94%.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectifs strat\u00e9giques :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Augmenter le b\u00e9n\u00e9fice par action de 8% \u00e0 10% par an.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Reverser plus de 7 milliards d&#8217;euros en dividendes sur la p\u00e9riode 2025-2027.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Engager plus de 8,5 milliards d&#8217;euros sous forme de dividendes et rachats d&#8217;actions d&#8217;ici 2027.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partenariat strat\u00e9gique : Generali et Natixis Investment Managers ont sign\u00e9 un protocole d&#8217;accord pour cr\u00e9er un champion europ\u00e9en de la gestion d&#8217;actifs pesant pr\u00e8s de 1.900 milliards d&#8217;euros.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/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-5626370 elementor-widget elementor-widget-menu-anchor\" data-id=\"5626370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"malakoff\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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__width-initial 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=\"292\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-1030x376.jpeg\" class=\"attachment-large size-large wp-image-13175\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-1030x376.jpeg 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-300x110.jpeg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-768x280.jpeg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-1536x561.jpeg 1536w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-2048x748.jpeg 2048w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-1500x548.jpeg 1500w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-705x257.jpeg 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/06\/Logo_Malakoff_Humanis-450x164.jpeg 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\">Malakoff Humanis : Forte croissance en 2024 gr\u00e2ce \u00e0 l'\u00e9pargne et au rapprochement strat\u00e9gique<\/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:\/\/newsroom.malakoffhumanis.com\/actualites\/une-performance-en-hausse-sur-lensemble-des-indicateurs-du-groupe-malakoff-humanis-une-consolidation-de-son-modele-redistributif-et-une-diversification-reussie-en-epargne-f5cdb-63a59.html\" 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<ul><li><span style=\"font-weight: 400;\">R\u00e9sultat net : 211 millions d&#8217;euros (+15%).<\/span><\/li><li><span style=\"font-weight: 400;\">Chiffre d&#8217;affaires : 7,52 milliards d&#8217;euros en 2024, en hausse de 11% par rapport \u00e0 2023, boost\u00e9 par le rapprochement avec La France Mutualiste et l&#8217;int\u00e9gration d&#8217;Epsens.\u00a0<\/span><\/li><li><span style=\"font-weight: 400;\">Secteurs d&#8217;activit\u00e9 :\u00a0<\/span><ul><li><span style=\"font-weight: 400;\">Sant\u00e9 et pr\u00e9voyance : Chiffre d&#8217;affaires de 6,64 milliards d&#8217;euros (+1,4%), avec un bon dynamisme commercial, notamment gr\u00e2ce \u00e0 l&#8217;appel d&#8217;offres gagn\u00e9 avec la SNCF.<\/span><\/li><li><span style=\"font-weight: 400;\">\u00c9pargne : Collecte brute de 1,9 milliard d&#8217;euros, chiffre d&#8217;affaires de 880 millions d&#8217;euros (+307%).<\/span><\/li><\/ul><\/li><li>Ratio combin\u00e9 : Am\u00e9lior\u00e9 \u00e0 100,1% (contre 101,9% en 2023), bien que la sant\u00e9 et la pr\u00e9voyance rencontrent encore des d\u00e9fis.<ul><li><span style=\"font-weight: 400;\">Sant\u00e9 : Ratio combin\u00e9 de 101,3%.<\/span><\/li><li><span style=\"font-weight: 400;\">Pr\u00e9voyance : Augmentation des co\u00fbts (+4,5%), notamment en raison des arr\u00eats de travail longs.<\/span><\/li><\/ul><\/li><li><span style=\"font-weight: 400;\">Solvabilit\u00e9 : En hausse \u00e0 272% (contre 247% en 2023).<\/span><\/li><\/ul><ul><li aria-level=\"1\"><span style=\"font-weight: 400;\">Engagement social : 209 millions d&#8217;euros redistribu\u00e9s, dont 50 millions pour des initiatives sociales et soci\u00e9tales (handicap, cancer, soutien aux aidants, bien-vieillir).<\/span><\/li><\/ul><h6>\u00a0<\/h6>\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-38bcf18 elementor-widget elementor-widget-menu-anchor\" data-id=\"38bcf18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"direct\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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-tablet__width-initial elementor-widget__width-initial 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=\"300\" height=\"300\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-300x300.png\" class=\"attachment-medium size-medium wp-image-22715\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-300x300.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-1030x1030.png 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-80x80.png 80w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-768x768.png 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009-1536x1536.png 1536w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/03\/Direct_Assurance_logo_2009.png 1585w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\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\">Direct Assurance : Une ann\u00e9e record en 2024<\/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:\/\/zoomassurance.fr\/direct-assurance-croissance-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-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<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffre d&#8217;affaires : 812 millions d&#8217;euros en 2024.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0200.000 nouveaux contrats, soit une augmentation de 18% du nombre total de contrats.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Portefeuille d&#8217;assurances :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurance auto : 1,5 million de v\u00e9hicules assur\u00e9s (+25%).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Assurance habitation : 500 000 contrats (+16,5%).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Autres domaines : moto, sant\u00e9 et protection juridique.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1,5 million de clients, franchissant le seuil de 2 millions de contrats.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Satisfaction client :<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Service client de l&#8217;ann\u00e9e 2025 dans la cat\u00e9gorie assurance de biens.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Satisfaction : 82,3% pour l&#8217;assurance multirisque habitation, 80,2% pour l&#8217;assurance auto.<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Effectifs : Augmentation de 30% des effectifs en 2024 pour soutenir la croissance.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strat\u00e9gie : Innovation constante pour maintenir des tarifs comp\u00e9titifs tout en offrant un service de qualit\u00e9.<\/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-a0195a4 elementor-widget elementor-widget-menu-anchor\" data-id=\"a0195a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"swisslife\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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__width-initial 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=\"451\" height=\"112\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/06\/Swiss-Life-France-logo.png\" class=\"attachment-large size-large wp-image-15652\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/06\/Swiss-Life-France-logo.png 451w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/06\/Swiss-Life-France-logo-300x75.png 300w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/>\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\">Swiss Life France : R\u00e9sultats 2024 exceptionnels et d\u00e9passement des objectifs du plan \u00ab Swiss Life 2024 \u00bb<\/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:\/\/www.swisslife.fr\/home\/le-groupe\/L-Espace-Presse\/Swiss-Life-France-Resultats-2024.html#:~:text=Swiss%20Life%20Banque%20Priv%C3%A9e%20affiche,vs%2065%20millions%20en%202023).\" 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><span style=\"font-weight: 400;\">R\u00e9sultat op\u00e9rationnel de 335 millions d\u2019euros en 2024, en hausse de 64 % par rapport \u00e0 2023. <\/span><\/li><li><span style=\"font-weight: 400;\">Le chiffre d\u2019affaires atteint 7 774 millions d\u2019euros, soit une augmentation de 11 %.<\/span><\/li><li><span style=\"font-weight: 400;\">Croissance en assurance-vie : Le chiffre d\u2019affaires en assurance-vie atteint 5 321 millions d\u2019euros (14 % de croissance) avec une collecte nette de 2,4 milliards d\u2019euros (+22 %), en grande partie orient\u00e9e vers des unit\u00e9s de compte.<\/span><\/li><li><span style=\"font-weight: 400;\">Sant\u00e9-pr\u00e9voyance : Croissance de 5 %, avec un chiffre d\u2019affaires de 2 027 millions d\u2019euros, port\u00e9 par l\u2019activit\u00e9 individuelle et collective, malgr\u00e9 des ajustements n\u00e9cessaires au redressement de la rentabilit\u00e9.<\/span><\/li><li><span style=\"font-weight: 400;\">Activit\u00e9 dommage : Le chiffre d\u2019affaires s\u2019\u00e9tablit \u00e0 427 millions d\u2019euros, en progression de 5 %, tir\u00e9 par les produits auto et entreprises.<\/span><\/li><li><span style=\"font-weight: 400;\">Marge de Service Contractuelle : Une hausse de 8 %, atteignant 3 421 millions d\u2019euros gr\u00e2ce \u00e0 la qualit\u00e9 des affaires nouvelles en assurance-vie.<\/span><\/li><li><span style=\"font-weight: 400;\">Expansion des clients patrimoniaux : Augmentation de 8 % des clients patrimoniaux et ais\u00e9s, repr\u00e9sentant 79 % des encours vie individuels.<\/span><\/li><li><span style=\"font-weight: 400;\">Strat\u00e9gie 2027 : Swiss Life France entame son plan strat\u00e9gique \u00ab Swiss Life 2027 \u00bb, avec l\u2019ambition de renforcer son mod\u00e8le de gestion priv\u00e9e, continuer \u00e0 cro\u00eetre de mani\u00e8re rentable, et am\u00e9liorer sa comp\u00e9titivit\u00e9 sur le march\u00e9 fran\u00e7ais.<\/span><p>\u00a0<\/p><\/li><li style=\"list-style-type: none;\">\u00a0<\/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-cdd0860 elementor-widget elementor-widget-menu-anchor\" data-id=\"cdd0860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"swissre\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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__width-initial 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=\"800\" height=\"241\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-1030x310.png\" class=\"attachment-large size-large wp-image-16022\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-1030x310.png 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-300x90.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-768x231.png 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-705x212.png 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re-450x135.png 450w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/07\/Swiss-Re.png 1251w\" 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-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\">Swiss Re : B\u00e9n\u00e9fice Net en hausse pour 2024 malgr\u00e9 les Co\u00fbts des catastrophes naturelles<\/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.swissre.com\/investors\/annual-report-2024.html?redirectsource=sr_reports\" 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 style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net 2024 : 3,2 milliards de dollars, en hausse de 3% par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Catastrophes naturelles : Les frais de d\u00e9dommagements pour les sinistres majeurs (ouragans, temp\u00eates, inondations) ont atteint 1 milliard de dollars.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incendies de Los Angeles : Estimation des frais \u00e0 700 millions de dollars, impactant les r\u00e9sultats du premier trimestre 2025.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9serves augment\u00e9es : Swiss Re a renforc\u00e9 ses r\u00e9serves dans la r\u00e9assurance-dommages aux \u00c9tats-Unis, ce qui a conduit \u00e0 une r\u00e9vision de ses pr\u00e9visions de b\u00e9n\u00e9fices pour 2024, initialement fix\u00e9es \u00e0 3,6 milliards de dollars.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dividende : Augmentation de 8% du dividende \u00e0 7,35 dollars par action pour 2024.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Objectifs 2025 : Le groupe vise un b\u00e9n\u00e9fice net de 4,4 milliards de dollars.<\/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-317e980 elementor-widget elementor-widget-menu-anchor\" data-id=\"317e980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"bnp\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d7f692 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7d7f692\" 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-3915cee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3915cee\" 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-f4738e8\" data-id=\"f4738e8\" 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-5115753 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5115753\" 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-49d0b9d\" data-id=\"49d0b9d\" 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-6474f0f elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"6474f0f\" 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-e3ac9b9\" data-id=\"e3ac9b9\" 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-58e563b elementor-widget elementor-widget-heading\" data-id=\"58e563b\" 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 Cardif : Des r\u00e9sultats records et une strat\u00e9gie de partenariats gagnante en 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e49222b elementor-widget elementor-widget-text-editor\" data-id=\"e49222b\" 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.bnpparibascardif.com\/fr\/article\/-\/article\/actualites\/resultats-annuels-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-6a8dd7a elementor-widget elementor-widget-text-editor\" data-id=\"6a8dd7a\" 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 aria-level=\"1\">R\u00e9sultat net avant imp\u00f4t (RNAI) : 1,6 milliard d&#8217;euros, +13% par rapport \u00e0 2023.<\/li><\/ul><ul><li aria-level=\"1\">Chiffre d&#8217;affaires total : 36,4 milliards d&#8217;euros, +21% par rapport \u00e0 2023.<\/li><\/ul><ul><li aria-level=\"1\">Actifs g\u00e9r\u00e9s : 287 milliards d&#8217;euros, +13% par rapport \u00e0 2023.<\/li><\/ul><ul><li aria-level=\"1\">Pr\u00e9sence internationale : 48% du chiffre d&#8217;affaires g\u00e9n\u00e9r\u00e9 \u00e0 l&#8217;international.<\/li><\/ul><ul><li aria-level=\"1\">Partenariats externes : 52% du chiffre d&#8217;affaires r\u00e9alis\u00e9 avec des partenaires ext\u00e9rieurs.<\/li><\/ul><ul><li aria-level=\"1\">Collecte en \u00e9pargne : 28,3 milliards d&#8217;euros, +24% \u00e0 l&#8217;international.<\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li aria-level=\"1\">34% en unit\u00e9s de compte.<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li aria-level=\"1\">France : +15%, total de 16,9 milliards d&#8217;euros.<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li aria-level=\"1\">International : +40%, total de 11,5 milliards d&#8217;euros.<\/li><\/ul><\/li><\/ul><ul><li aria-level=\"1\">Chiffre d&#8217;affaires protection : 8,0 milliards d&#8217;euros, +11%.<\/li><\/ul><ul><li aria-level=\"1\">Croissance en France : +5%, avec une assurance dommages \u00e0 +12%.<\/li><li aria-level=\"1\">Croissance internationale : +14%, avec des hausses en Am\u00e9rique latine (+13%) et en Europe (+16%).<\/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-6fbc31a elementor-widget elementor-widget-menu-anchor\" data-id=\"6fbc31a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"ccr\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d093c6b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d093c6b\" 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-2de1b52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2de1b52\" 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-8d1b80d\" data-id=\"8d1b80d\" 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-e4f3ba8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4f3ba8\" 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-8aa38a5\" data-id=\"8aa38a5\" 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-27e44ba elementor-widget-tablet__width-initial elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"27e44ba\" 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=\"196\" height=\"157\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/06\/ccr-e1687512546216.png\" class=\"attachment-large size-large wp-image-15688\" 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-76d2cfb\" data-id=\"76d2cfb\" 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-7cfa585 elementor-widget elementor-widget-heading\" data-id=\"7cfa585\" 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\">CCR : Un R\u00e9sultat technique d\u00e9ficitaire compens\u00e9 par une forte progression du r\u00e9sultat financier en 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10484c3 elementor-widget elementor-widget-text-editor\" data-id=\"10484c3\" 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.ccr.fr\/fr\/-\/resultats-annuels-2024-ccr#:~:text=Les%20faits%20marquants%20et%20r%C3%A9sultats,2%20%25%20pour%20les%20risques%20exceptionnels.\" 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-f07ccd3 elementor-widget elementor-widget-text-editor\" data-id=\"f07ccd3\" 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;\">Chiffre d&#8217;affaires 2024 : 1,237 milliard d&#8217;euros, avec une r\u00e9partition de 92,9 % pour l\u2019activit\u00e9 Catastrophes Naturelles (Cat Nat), 6,8 % pour le risque attentats, et 0,2 % pour les risques exceptionnels.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9sultat net : 183 millions d&#8217;euros. Le r\u00e9sultat technique reste d\u00e9ficitaire, mais est compens\u00e9 par un r\u00e9sultat financier en progression.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat technique Cat Nat est d\u00e9ficitaire pour la huiti\u00e8me ann\u00e9e cons\u00e9cutive, \u00e0 hauteur de -49 millions d&#8217;euros (contre -112 millions d&#8217;euros en 2023). La sinistralit\u00e9 a \u00e9t\u00e9 particuli\u00e8rement lourde en 2024, en raison notamment du cyclone Chido et des nombreuses intemp\u00e9ries r\u00e9currentes \u00e0 travers le pays.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La sinistralit\u00e9 Cat Nat a atteint 1,037 milliard d&#8217;euros, avec des d\u00e9g\u00e2ts importants dus \u00e0 Chido et \u00e0 une s\u00e9rie de pluies et orages. De plus, la provision pour \u00e9galisation des Catastrophes Naturelles, \u00e9puis\u00e9e en 2023, n\u2019a pas pu \u00eatre reconstitu\u00e9e en 2024.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Augmentation de la surprime : Une hausse de la surprime est entr\u00e9e en vigueur en janvier 2025 pour reconstituer progressivement des r\u00e9serves : 12 % \u00e0 20 % pour les assurances de dommages aux biens, et 6 % \u00e0 9 % pour les garanties vol et incendie des contrats automobiles.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat financier atteint 252 millions d&#8217;euros, en hausse par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente (182 millions d&#8217;euros en 2023), gr\u00e2ce \u00e0 un r\u00e9investissement r\u00e9ussi de la plus-value de cession de CCR Re. Le taux de rendement des actifs investis est de 2,7 %.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Autonomisation op\u00e9rationnelle : CCR a transf\u00e9r\u00e9 la gestion d\u2019actifs et les activit\u00e9s informatiques de CCR Re (Arundo Re) \u00e0 SMABTP, incluant la vente de logiciels informatiques pour un montant de 21 millions d&#8217;euros. Au 31 d\u00e9cembre 2024, CCR d\u00e9tient environ 25 % du capital d&#8217;Arundo Re.<\/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-2d29939 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2d29939\" 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-789f2a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"789f2a6\" 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-d4cff8e\" data-id=\"d4cff8e\" 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-b16f2fd elementor-widget elementor-widget-menu-anchor\" data-id=\"b16f2fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"scor\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-767315b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"767315b\" 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-d21036e\" data-id=\"d21036e\" 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-8b7af85 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"8b7af85\" 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=\"510\" height=\"99\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Scor.png\" class=\"attachment-large size-large wp-image-14166\" alt=\"Scor\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Scor.png 510w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Scor-300x58.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Scor-450x87.png 450w\" sizes=\"(max-width: 510px) 100vw, 510px\" \/>\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-2cef34e\" data-id=\"2cef34e\" 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-2c35bb1 elementor-widget elementor-widget-heading\" data-id=\"2c35bb1\" 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\">Scor : Un T4 solide et des r\u00e9sultats sup\u00e9rieurs aux attentes en 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ca7acd elementor-widget elementor-widget-text-editor\" data-id=\"6ca7acd\" 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.scor.com\/fr\/communique-de-presse\/resultats-du-quatrieme-trimestre-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-6267224 elementor-widget elementor-widget-text-editor\" data-id=\"6267224\" 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 du T4 2024 : 233 millions d&#8217;euros au quatri\u00e8me trimestre de 2024, contre 162 millions d&#8217;euros pour la m\u00eame p\u00e9riode en 2023. Ce r\u00e9sultat d\u00e9passe les attentes des analystes, qui pr\u00e9voyaient en moyenne un b\u00e9n\u00e9fice net de 195 millions d&#8217;euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e9n\u00e9fice net annuel : 4 millions d&#8217;euros pour l&#8217;ann\u00e9e 2024, bien que ce chiffre repr\u00e9sente une baisse significative de 99,5% par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente. Toutefois, cela reste sup\u00e9rieur aux attentes des analystes qui anticipaient une perte de 36 millions d&#8217;euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le quatri\u00e8me trimestre a \u00e9t\u00e9 particuli\u00e8rement soutenu par les activit\u00e9s de r\u00e9assurance dommages, avec des revenus d&#8217;assurance atteignant 1,93 milliard d&#8217;euros, stables par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente. Le ratio combin\u00e9 (rapport entre sinistres et primes) s&#8217;est \u00e9tabli \u00e0 83,1%, inf\u00e9rieur \u00e0 l&#8217;attente des analystes (85,4%).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Catastrophes naturelles : La charge des catastrophes naturelles au T4 a repr\u00e9sent\u00e9 6,4%, dont 4,7 points \u00e9taient li\u00e9s \u00e0 l&#8217;ouragan Milton, inf\u00e9rieur aux attentes des analystes de 8,6%.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00e9assurance vie et sant\u00e9 : Apr\u00e8s une perte de 213 millions d&#8217;euros au troisi\u00e8me trimestre, les activit\u00e9s de r\u00e9assurance vie et sant\u00e9 ont rebondi au T4 avec un r\u00e9sultat d&#8217;assurance de 119 millions d&#8217;euros, en hausse de 87,5% par rapport \u00e0 l&#8217;ann\u00e9e pr\u00e9c\u00e9dente. Ce chiffre d\u00e9passe \u00e9galement les pr\u00e9visions des analystes.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact des incendies en Californie : Scor a estim\u00e9 que l&#8217;impact des incendies en Californie pourrait atteindre environ 140 millions d&#8217;euros, avant imp\u00f4t et net de r\u00e9trocession, ce qui est conforme \u00e0 son budget pour les catastrophes naturelles au premier trimestre 2025.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Solvabilit\u00e9 et valeur \u00e9conomique : Le ratio de solvabilit\u00e9 du groupe s&#8217;est \u00e9lev\u00e9 \u00e0 210% au 31 d\u00e9cembre 2024, en ligne avec la fourchette basse des attentes des analystes. La valeur \u00e9conomique du groupe, mesur\u00e9e selon la norme IFRS 17, a diminu\u00e9 de 6,3% pour atteindre 8,6 milliards d&#8217;euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dividende : Le groupe a annonc\u00e9 un dividende de 1,8 euro par action pour l&#8217;exercice 2024, inchang\u00e9 par rapport \u00e0 2023.<\/span><\/li><\/ul><div>\u00a0<\/div><h6><strong>Important \u00e0 noter :\u00a0<\/strong><\/h6><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le solide quatri\u00e8me trimestre a permis \u00e0 Scor de compenser les difficult\u00e9s rencontr\u00e9es pendant l&#8217;ann\u00e9e, notamment dans la r\u00e9assurance vie et sant\u00e9.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le r\u00e9sultat d&#8217;assurance dans le domaine des catastrophes naturelles a \u00e9t\u00e9 inf\u00e9rieur aux attentes, malgr\u00e9 l&#8217;ouragan Milton.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La solvabilit\u00e9 du groupe reste robuste, ce qui lui permet de maintenir son dividende stable, offrant un signal positif aux actionnaires.<\/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-2c9ee24 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2c9ee24\" 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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>On vous r\u00e9sume les derniers r\u00e9sultats du march\u00e9 de l&#8217;assurance en vous pr\u00e9sentant les chiffres cl\u00e9s.<\/p>\n","protected":false},"author":1,"featured_media":22287,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[],"class_list":["post-22702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9sultats - Mars 2025\uff5cFrance - Asquarepartners.com<\/title>\n<meta name=\"description\" content=\"On vous r\u00e9sume les derniers r\u00e9sultats du march\u00e9 de l&#039;assurance en France en vous pr\u00e9sentant les chiffres cl\u00e9s.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asquarepartners.com\/en\/resultats-mars-2025\uff5cfrance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9sultats - Mars 2025\uff5cFrance - Asquarepartners.com\" \/>\n<meta property=\"og:description\" content=\"On vous r\u00e9sume les derniers r\u00e9sultats du march\u00e9 de l&#039;assurance en France en vous pr\u00e9sentant les chiffres cl\u00e9s.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.asquarepartners.com\/en\/resultats-mars-2025\uff5cfrance\/\" \/>\n<meta property=\"og:site_name\" content=\"Asquarepartners.com\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-24T19:50:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-26T11:12:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/02\/1-080-\u00d7-675.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Asquarepartners\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Asquarepartners\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/resultats-mars-2025%ef%bd%9cfrance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/resultats-mars-2025%ef%bd%9cfrance\\\/\"},\"author\":{\"name\":\"Asquarepartners\",\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/#\\\/schema\\\/person\\\/4031ebe4db01fcaa426a5eaf4c9b65dc\"},\"headline\":\"R\u00e9sultats &#8211; 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