{"id":25985,"date":"2025-09-03T12:42:10","date_gmt":"2025-09-03T12:42:10","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=25985"},"modified":"2025-09-03T12:42:10","modified_gmt":"2025-09-03T12:42:10","slug":"resultats-s1-2025%ef%bd%9cfrance","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/fr\/resultats-s1-2025%ef%bd%9cfrance\/","title":{"rendered":"R\u00e9sultats &#8211; S1 2025\uff5cFrance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"25985\" class=\"elementor elementor-25985\" 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__width-initial 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=\"#uni\">Swiss Re<\/a><\/li><li><a href=\"#axa\">Munich Re<\/a><\/li><li><a href=\"#areas\">Allianz<\/a><\/li><li><a href=\"#allianz\">Generali<\/a><\/li><li><a href=\"#swisslife\">BPCE<\/a><\/li><li><a href=\"#smabtp\">AXA<\/a><\/li><li><a href=\"#creditagricole\">Cr\u00e9dit Agricole Assurances<\/a><\/li><li><a href=\"#aesio\">CNP<\/a><\/li><li><a href=\"#mgen\">Cr\u00e9dit Mutuel<\/a><\/li><li><a href=\"#interiale\">BNP Paribas<\/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=\"uni\"><\/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-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\">Swiss Re : b\u00e9n\u00e9fice net en hausse de 24 % au S1 2025 malgr\u00e9 un recul du chiffre d\u2019affaires\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.swissre.com\/media\/press-release\/pr-20250814-hy-2025-press-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-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;\">Swiss Re enregistre un <strong>b\u00e9n\u00e9fice net<\/strong> de 2,6 milliards de dollars au premier semestre 2025, en hausse de 24 % par rapport \u00e0 2024.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Le chiffre d\u2019affaires<\/strong> du groupe recule \u00e0 20,9 milliards de dollars (-6 %), dans le cadre d\u2019une strat\u00e9gie ax\u00e9e sur la qualit\u00e9 des contrats plut\u00f4t que la croissance des volumes.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La<strong> hausse du b\u00e9n\u00e9fice<\/strong> s\u2019explique par :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Am\u00e9lioration des marges de souscription<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Gestion rigoureuse des investissements, avec un rendement stable de 4,1 %<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">ROE en progression : 23 % contre 19,6 % l\u2019an dernier<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiffres par branche :<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>P&amp;C Re<\/strong> (assurance dommages) : revenus en baisse de 9,7 \u00e0 8,9 milliards de dollars, b\u00e9n\u00e9fice net en hausse \u00e0 1,2 milliard de dollars, ratio combin\u00e9 am\u00e9lior\u00e9 \u00e0 81,1 %<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>L&amp;H Re<\/strong> (r\u00e9assurance vie et sant\u00e9) : revenus \u00e0 8 milliards de dollars, b\u00e9n\u00e9fice net l\u00e9g\u00e8rement en baisse \u00e0 839 millions de dollars<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Corporate Solutions<\/strong> : chiffre d\u2019affaires stable \u00e0 3,7 milliards de dollars, b\u00e9n\u00e9fice net stable \u00e0 430 millions de dollars malgr\u00e9 des pertes li\u00e9es aux incendies en Californie et au cyclone en Australie<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Swiss Re conserve une position financi\u00e8re solide, avec un ratio de <strong>solvabilit\u00e9 SST<\/strong> estim\u00e9 \u00e0 264 %, sup\u00e9rieur \u00e0 sa fourchette cible (200-250 %)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le groupe poursuit la cession progressive de sa plateforme iptiQ<\/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<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=\"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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5956eea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5956eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a577bb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a577bb6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b2a71b\" data-id=\"2b2a71b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<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<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-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\">Munich Re : r\u00e9sultats semestriels contrast\u00e9s, chiffre d\u2019affaires r\u00e9vis\u00e9 \u00e0 la baisse mais objectif annuel maintenu<\/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.munichre.com\/en\/company\/media-relations\/media-information-and-corporate-news\/media-information\/2025\/half-year-financial-report.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 aria-level=\"1\">R\u00e9action des march\u00e9s :<ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Forte chute du titre Munich Re \u00e0 Francfort (-10 % le 7 ao\u00fbt 2025), malgr\u00e9 un DAX en hausse.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Plus forte baisse depuis le d\u00e9but de la pand\u00e9mie de Covid-19.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">L\u2019action reste toutefois en progression de +13 % depuis janvier 2025.<\/span><\/li><\/ul><\/li><li aria-level=\"1\">R\u00e9visions d\u2019objectifs :<ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Chiffre d\u2019affaires attendu pour la division r\u00e9assurance abaiss\u00e9 de 42 \u00e0 40 milliards d&#8217;euros (effet change li\u00e9 \u00e0 l\u2019euro fort).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">R\u00e9sultat net du segment r\u00e9assurance vie et sant\u00e9 inf\u00e9rieur aux attentes, plomb\u00e9 par des pertes al\u00e9atoires au T2.<\/span><\/li><\/ul><\/li><li aria-level=\"1\">Performances financi\u00e8res H1 2025 :<ul><li style=\"font-weight: 400;\" aria-level=\"2\"><b>R\u00e9sultat net semestriel :<\/b><span style=\"font-weight: 400;\"> 3,2 milliards d&#8217;euros (en ligne avec l\u2019objectif annuel de 6 milliards d&#8217;euros).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>R\u00e9sultat net Q2 record<\/b><span style=\"font-weight: 400;\"> : 2,1 milliards d&#8217;euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>Rendement des fonds propres (RoE) \u00e9lev\u00e9 :<\/b><span style=\"font-weight: 400;\"> 25,5 % au T2.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>Solvabilit\u00e9 robuste :<\/b><span style=\"font-weight: 400;\"> ratio de 287 %, au-dessus de la fourchette cible (175\u2013220 %).<\/span><\/li><\/ul><\/li><li aria-level=\"1\">D\u00e9tails par divisions :<ul><li style=\"font-weight: 400;\" aria-level=\"2\"><b>R\u00e9assurance dommages &amp; GSI<\/b><span style=\"font-weight: 400;\"> : excellents ratios combin\u00e9s (61 % et 78 %), tr\u00e8s faible sinistralit\u00e9.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>R\u00e9assurance vie &amp; sant\u00e9<\/b><span style=\"font-weight: 400;\"> : r\u00e9sultat net en chute \u00e0 344 millions d&#8217;euros (vs 514 millions d&#8217;euros), impact\u00e9 par sinistres isol\u00e9s.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>ERGO (assurance primaire)<\/b><span style=\"font-weight: 400;\"> : 251 millions d&#8217;euros de r\u00e9sultat au T2, am\u00e9lioration des ratios combin\u00e9s.<\/span><\/li><li style=\"font-weight: 400;\"><b>Investissements<\/b><span style=\"font-weight: 400;\"> : r\u00e9sultat en hausse \u00e0 2,2 milliards d&#8217;euros, port\u00e9 par la valorisation des actions et des d\u00e9riv\u00e9s.<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<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=\"325\" height=\"155\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/04\/munich-re.png\" class=\"attachment-large size-large wp-image-12866\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/04\/munich-re.png 325w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/04\/munich-re-300x143.png 300w\" sizes=\"(max-width: 325px) 100vw, 325px\" \/>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a2a63 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23a2a63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-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<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=\"areas\"><\/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-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-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\">Allianz : r\u00e9sultats semestriels record au niveau mondial, mais recul en sant\u00e9-vie en France\n<\/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:\/\/newsroom.allianz.fr\/allianz-annonce-dexcellents-resultats-et-confirme-etre-en-bonne-voie-pour-atteindre-ses-ambitions-pour-lensemble-de-lannee-2025\/\" 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 style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Chiffre d\u2019affaires S1 2025 (groupe)<\/strong> : 98,5 milliards d\u2019euros, +10,1 %, avec contributions de tous les segments.<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Sant\u00e9-vie :<\/strong> 47,565 milliards d\u2019euros, +12,8 %<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Dommages :<\/strong> 47,133 milliards d\u2019euros, +7,9 %<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Gestion d\u2019actifs :<\/strong> 4,1 milliards d\u2019euros, +3,5 %<\/span><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>R\u00e9sultat op\u00e9rationnel (groupe) :<\/strong> 8,6 milliards d\u2019euros, +9,3 %, plus haut niveau semestriel jamais atteint.<\/span><\/li><li aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>B\u00e9n\u00e9fice net<\/strong> attribuable aux actionnaires : 5,5 milliards d\u2019euros, +9,5 %, BPA 13,99 \u20ac (+11,3 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Rentabilit\u00e9 des fonds propres (RoE) :<\/strong> 18,5 % annualis\u00e9.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Ratio de solvabilit\u00e9 II :<\/strong> 209 %, position financi\u00e8re solide.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Pr\u00e9visions 2025 :<\/strong> Allianz reste en bonne voie pour atteindre 16 milliards d\u2019euros de r\u00e9sultat op\u00e9rationnel annuel \u00b11 milliard.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">France : performance contrast\u00e9e<\/span><span style=\"font-weight: 400;\"><br \/><\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Dommages :<\/strong> chiffre d\u2019affaires +7,7 % \u00e0 2,939 milliards d\u2019euros, dans la moyenne du groupe, r\u00e9sultat op\u00e9rationnel en baisse de 272 \u00e0 227 millions d\u2019euros, ratio combin\u00e9 \u00e0 94,6 % (+2,7 pts).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\"><strong>Sant\u00e9-vie :<\/strong> chiffre d\u2019affaires en recul \u00e0 3,728 milliards d\u2019euros (-8,8 %), r\u00e9sultat op\u00e9rationnel stable \u00e0 317 millions 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;\"><strong>Programme de rachat d\u2019actions :<\/strong> 1 milliard d\u2019euros r\u00e9alis\u00e9 sur 2 milliards pr\u00e9vus.<\/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<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=\"208\" height=\"57\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/Allianz-e1690794670881.png\" class=\"attachment-large size-large wp-image-14167\" 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\t<\/div>\n\t\t<\/section>\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<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=\"allianz\"><\/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-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-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\">Generali : solide performance semestrielle et d\u00e9marrage r\u00e9ussi du plan strat\u00e9gique \"Lifetime Partner 27\"\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:\/\/presse.generali.fr\/actualites\/resultats-consolides-du-groupe-generali-au-30-juin-2025-f7a95-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-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;\"><strong>Primes brutes \u00e9mises<\/strong> : 50,5 milliards d\u2019euros, +0,9 %, port\u00e9es par la croissance du segment Non-Vie (+7,6 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Collecte nette Vie<\/strong> : positive \u00e0 6,3 milliards d\u2019euros, soutenue par Sant\u00e9 &amp; Pr\u00e9voyance, \u00c9pargne multi-supports et Unit\u00e9s de Compte.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Ratio combin\u00e9 (CoR)<\/strong> : 91,0 %, en nette am\u00e9lioration (-1,4 point), CoR non actualis\u00e9 \u00e0 93,1 % (-1,8 point).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>R\u00e9sultat op\u00e9rationnel<\/strong> : 4,0 milliards d\u2019euros, +8,7 %, port\u00e9 par Non-Vie, Vie et Gestion d\u2019actifs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>R\u00e9sultat net ajust\u00e9<\/strong> : 2,2 milliards d\u2019euros, +10,4 %, BPA ajust\u00e9 1,47 \u20ac (+12,5 %).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Solidit\u00e9 financi\u00e8re :<\/strong> ratio de solvabilit\u00e9 \u00e0 212 % (210 % fin 2024), soutenu par g\u00e9n\u00e9ration de capital et programme de rachat d\u2019actions de 500 millions d\u2019euros.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Le plan strat\u00e9gique \u00ab Lifetime Partner 27:<\/strong> Driving Excellence \u00bb conna\u00eet un excellent d\u00e9marrage, consolidant les performances de tous les segments d\u2019activit\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<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=\"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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-471a6ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"471a6ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-474b59b elementor-widget elementor-widget-menu-anchor\" data-id=\"474b59b\" 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\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-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\">BPCE : l\u2019assurance tire la croissance avec un RNPG en hausse de 22 %\n\n\n\n\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b41351c elementor-widget elementor-widget-text-editor\" data-id=\"b41351c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.assurances.groupebpce.com\/1er-semestre-2025-le-pole-assurances-confirme-sa-dynamique\/\" 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><b>R\u00e9sultats du groupe :<\/b><span style=\"font-weight: 400;\"> produit net bancaire (PNB) de 12,6 milliards d&#8217;euros au S1 2025 (+11 %), r\u00e9sultat net part du groupe (RNPG) de 1,8 Md\u20ac (+8 % ; +14 % hors surtaxe d\u2019IS de 105 millions d&#8217;euros).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance en forte croissance :<\/b><span style=\"font-weight: 400;\"> PNB de BPCE Assurances \u00e0 481 millions d&#8217;euros (+25 %), r\u00e9sultat avant imp\u00f4t \u00e0 394 millions d&#8217;euros (+27 %), RNPG \u00e0 307 millions d&#8217;euros (+22 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Primes :<\/b><span style=\"font-weight: 400;\"> 10,9 milliards d&#8217;euros au S1 (+4 %), dont 5,2 milliards d&#8217;euros au T2 (+9 % : +8 % en vie\/pr\u00e9voyance, +10 % en dommages).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>\u00c9pargne et assurance vie :<\/b><span style=\"font-weight: 400;\"> actifs sous gestion de 119,3 milliards d&#8217;euros fin juin 2025 (+6 %), collecte brute de 8,7 milliards d&#8217;euros, collecte nette de 5 milliards d&#8217;euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance non-vie :<\/b><span style=\"font-weight: 400;\"> chiffre d\u2019affaires +10 %, ratio combin\u00e9 am\u00e9lior\u00e9 \u00e0 97,8 % (-2,1 pp).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Placements financiers des assurances :<\/b><span style=\"font-weight: 400;\"> 122,8 milliards d&#8217;euros \u00e0 fin juin (contre 115,6 milliards d&#8217;euros fin 2024).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Perspectives strat\u00e9giques :<\/b><span style=\"font-weight: 400;\"> acquisition de 75 % de Novo Banco au Portugal (closing d\u00e9but 2026) confirm\u00e9e ; projet de joint-venture avec Generali report\u00e9 pour raisons politiques.<\/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<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=\"223\" height=\"85\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/BPCE-e1668525330750.png\" class=\"attachment-large size-large wp-image-14229\" 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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6fcc06 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f6fcc06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d87e44 elementor-widget elementor-widget-menu-anchor\" data-id=\"6d87e44\" 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=\"smabtp\"><\/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-68d149e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68d149e\" 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-419b2ee\" data-id=\"419b2ee\" 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-b147cf3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b147cf3\" 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-e014348\" data-id=\"e014348\" 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-c6b3c36 elementor-widget elementor-widget-heading\" data-id=\"c6b3c36\" 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 : croissance de 7 % des revenus et solidit\u00e9 renforc\u00e9e au S1 2025\n\n\n\n\n\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c80edbd elementor-widget elementor-widget-text-editor\" data-id=\"c80edbd\" 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\/fr\/presse\/communiques-de-presse\/resultats-semestriels-2025\" 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-9871732 elementor-widget elementor-widget-text-editor\" data-id=\"9871732\" 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;\"><strong>Primes brutes \u00e9mises et autres revenus :<\/strong> 64,3 milliards d&#8217;euros (+7 % vs S1 2024)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>R\u00e9sultat op\u00e9rationnel :<\/strong> 4,5 milliards d&#8217;euros (+6 %)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>R\u00e9sultat op\u00e9rationnel par action :<\/strong> 2,03 \u20ac (+8 %)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Ratio Solvabilit\u00e9 II :<\/strong> 220 % (+4 pts vs fin 2024)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance dommages :<\/b><b><br \/><\/b><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primes +6 %<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Croissance en assurance particuliers (environnement tarifaire favorable)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Croissance disciplin\u00e9e en assurance entreprises, ax\u00e9e sur la fid\u00e9lisation<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marges en progression sur les particuliers, stables sur les entreprises<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li><b>Assurance vie et sant\u00e9 :<\/b><b><br \/><\/b><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primes +8 %<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collecte nette en assurance vie en acc\u00e9l\u00e9ration (hausse des ventes, baisse des rachats)<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marges sant\u00e9 en am\u00e9lioration gr\u00e2ce \u00e0 la ma\u00eetrise des co\u00fbts de sinistres et \u00e0 l\u2019optimisation des parcours de soins<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li><b>Performance op\u00e9rationnelle :<\/b><b><br \/><\/b><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Progression r\u00e9guli\u00e8re du r\u00e9sultat vie gr\u00e2ce \u00e0 un portefeuille de qualit\u00e9<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contribution positive de toutes les lignes m\u00e9tiers<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><\/li><li><b>Strat\u00e9gie et capital :<\/b><b><br \/><\/b><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finalisation de la cession d\u2019AXA IM \u00e0 BNP Paribas<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lancement d\u2019un programme de rachat d\u2019actions jusqu\u2019\u00e0 3,8 milliards d&#8217;euros pour compenser la dilution<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acquisition de Prima en Italie, renfor\u00e7ant la pr\u00e9sence locale et les canaux de distribution directe<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-30a64f8\" data-id=\"30a64f8\" 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-95b3f02 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"95b3f02\" 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=\"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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e058476 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e058476\" 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-d5763bb\" data-id=\"d5763bb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e04afab elementor-widget elementor-widget-heading\" data-id=\"e04afab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit Agricole Assurances : chiffre d\u2019affaires record \u00e0 27,5 Milliards au S1 2025\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41dfcce elementor-widget elementor-widget-text-editor\" data-id=\"41dfcce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.ca-assurances.com\/publication\/communique-de-presse-resultats-s1-2025\/#:~:text=Au%20premier%20semestre%202025%2C%20Cr%C3%A9dit,la%20collecte%20des%20banques%20partenaires.\" 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><b>Chiffre d\u2019affaires<\/b><span style=\"font-weight: 400;\"> : 27,5 milliards d&#8217;euros au S1 2025 (+19,4 %), port\u00e9 par l\u2019\u00e9pargne\/retraite (+24,6 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Collecte nette<\/b><span style=\"font-weight: 400;\"> : record de +8,2 milliards d&#8217;euros (dont 4,4 milliards d&#8217;euros en fonds en euros et 3,8 milliards d&#8217;euros en unit\u00e9s de compte).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Encours vie<\/b><span style=\"font-weight: 400;\"> : 359,4 milliards d&#8217;euros \u00e0 fin juin 2025 (+3,2 % en fonds en euros ; +4,1 % en UC ; part UC = 30,2 %).<\/span><\/li><li><span style=\"font-weight: 400;\"><b>Assurance dommages<\/b> : chiffre d\u2019affaires 4,0 milliards d&#8217;euros (+8,5 %), portefeuille &gt;16,9 millions de contrats (+2,8 %).<\/span><\/li><li><b>Protection des personnes<\/b><span style=\"font-weight: 400;\"> : chiffre d\u2019affaires 2,7 milliards d&#8217;euros (+1,8 %), avec bonne dynamique en collectives (+12 %) et pr\u00e9voyance individuelle (+4,8 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>R\u00e9sultat net part du Groupe<\/b><span style=\"font-weight: 400;\"> : 1 016 millions d&#8217;euros (-1,7 %), mais +5,8 % hors surtaxe exceptionnelle d\u2019IS.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Solidit\u00e9 financi\u00e8re<\/b><span style=\"font-weight: 400;\"> : ratio de solvabilit\u00e9 II estim\u00e9 \u00e0 202 %.<\/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<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-eaa6950 elementor-widget elementor-widget-menu-anchor\" data-id=\"eaa6950\" 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=\"creditagricole\"><\/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-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=\"300\" height=\"61\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/08\/credit-agricole-e1782814307945.png\" class=\"attachment-large size-large wp-image-13613\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/08\/credit-agricole-e1782814307945.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/08\/credit-agricole-e1782814307945-18x4.png 18w\" 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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9655a7e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9655a7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be34a94 elementor-widget elementor-widget-menu-anchor\" data-id=\"be34a94\" 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=\"aesio\"><\/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-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\">CNP Assurances : chiffre d\u2019affaires en hausse de 16 % et RNPG en progression de 13 % au premier semestre 2025<\/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:\/\/www.cnp.fr\/cnp\/content\/download\/13134\/file\/Communique-CNP-Assurances-Resultats-semestriels-2025-FR.pdf\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-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><b>Chiffre d\u2019affaires<\/b><span style=\"font-weight: 400;\"> : 21,9 milliards d&#8217;euros (+16 % \u00e0 change constant vs S1 2024).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>R\u00e9sultat net part du Groupe (RNPG)<\/b><span style=\"font-weight: 400;\"> : 857 millions d&#8217;euros (+13 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Solidit\u00e9 financi\u00e8re<\/b><span style=\"font-weight: 400;\"> : ratio de solvabilit\u00e9 II (SCR) \u00e0 242 % (+5 pts vs fin 2024), capitaux propres \u00e0 21,3 milliards d&#8217;euros, patrimoine \u00e9conomique \u00e0 32 milliards d&#8217;euros.<\/span><\/li><li><span style=\"font-weight: 400;\"><b>Dynamique commerciale<\/b> : forte croissance en \u00e9pargne haut de gamme (CNP Patrimoine, CNP Assicura), progression en pr\u00e9voyance et affinitaire en Europe, soutien du r\u00e9seau La Banque Postale.<\/span><\/li><li><b>Indicateurs ESG<\/b> : 1er assureur fran\u00e7ais au classement Sustainalytics, 28,3 <span style=\"font-weight: 400;\">milliards d&#8217;euros<\/span> d\u2019investissements verts (+400 millions d&#8217;euros au semestre), empreinte carbone stable (45 kgeqCO\u2082\/k\u20ac investi), 16 produits d\u00e9di\u00e9s aux populations vuln\u00e9rables (+2 en 6 mois).<\/li><li><b>Engagement soci\u00e9tal<\/b><span style=\"font-weight: 400;\"> : \u00e9largissement de l\u2019acc\u00e8s \u00e0 l\u2019assurance emprunteur aux hommes atteints de cancers de la prostate ou du testicule.<\/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<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=\"266\" height=\"190\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/CNP-assurances-logo.png\" class=\"attachment-medium size-medium 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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d14853b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d14853b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-070e0d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"070e0d0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82a265c\" data-id=\"82a265c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d7435aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7435aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-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\">Cr\u00e9dit Mutuel : collecte vie record et r\u00e9sultat net stable \u00e0 494 M\u20ac au premier semestre 2025\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8f2feb elementor-widget elementor-widget-text-editor\" data-id=\"f8f2feb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.acm.fr\/fr\/document\/CommuniquePresse\/2025\/2025-07-CP-Resultats-06-2025-GACM-Vpublication.pdf\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc7b3f8 elementor-widget elementor-widget-text-editor\" data-id=\"dc7b3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><b>Chiffre d\u2019affaires<\/b><span style=\"font-weight: 400;\"> : 8,8 milliards d&#8217;euros (+16,4 % vs S1 2024).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance vie<\/b><span style=\"font-weight: 400;\"> : collecte brute record de 5,5 milliards d&#8217;euros (+28 %), part des UC stable \u00e0 28,5 %. Collecte nette de 2,4 milliards d&#8217;euros (dont 1,8 milliards d&#8217;euros en fonds en euros et 0,6 milliards d&#8217;euros en UC).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurances de risques<\/b><span style=\"font-weight: 400;\"> : chiffre d\u2019affaires \u00e0 3,3 milliards d&#8217;euros (+1,1 %), avec forte progression en assurances de biens (+10,6 %) et en personnes (+3,7 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>R\u00e9sultats<\/b><span style=\"font-weight: 400;\"> : r\u00e9sultat d\u2019assurance IFRS \u00e0 572 millions d&#8217;euros (+22,6 %), r\u00e9sultat financier \u00e0 234 millions d&#8217;euros (+7,7 %). R\u00e9sultat net publi\u00e9 stable \u00e0 494 millions d&#8217;euros (impact\u00e9 par la surtaxe exceptionnelle de 98 millions d&#8217;euros), mais en hausse \u00e0 592 millions d&#8217;euros hors surtaxe (+20,3 %).<\/span><\/li><li><span style=\"font-weight: 400;\"><b>Solidit\u00e9<\/b> : marge sur services contractuels (CSM) \u00e0 7,5 milliards d&#8217;euros (+13,1 % vs fin 2024), capitaux propres \u00e0 11,2 milliards d&#8217;euros (+2,1 %). <\/span><\/li><li><b>D\u00e9veloppements strat\u00e9giques<\/b> :<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">France : nouvelle compl\u00e9mentaire sant\u00e9, multirisque agricole en coassurance avec Allianz, internalisation via acquisition dans la d\u00e9construction auto.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">International : agr\u00e9ments obtenus en Allemagne aupr\u00e8s de la BaFin, partenariat exclusif avec TARGOBANK \u00e0 partir du 1er janvier 2026.<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<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=\"800\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-1030x579.jpg\" class=\"attachment-large size-large wp-image-14146\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-1030x579.jpg 1030w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-705x397.jpg 705w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2022\/10\/credit-mutuel-450x253.jpg 450w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<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=\"mgen\"><\/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 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-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\">BNP Paribas : l\u2019assurance progresse de 6,3 % au S1 2025, port\u00e9e par l\u2019\u00e9pargne et les acquisitions<\/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:\/\/invest.bnpparibas\/document\/2t25-cp\" 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><b>R\u00e9sultats groupe<\/b><span style=\"font-weight: 400;\"> : PNB de 12,581 milliards d&#8217;euros au T2 (+2,5 %), 25,541 milliards d&#8217;euros au S1 (+3,2 %). RNPG \u00e0 6,209 milliards d&#8217;euros (-4 %), impact\u00e9 par une hausse du taux d\u2019imposition (27,5 % au S1 vs 20,8 % en 2024).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance au T2<\/b><span style=\"font-weight: 400;\"> : PNB 635 millions d&#8217;euros (+8,2 %), chiffre d\u2019affaires 10,5 milliards d&#8217;euros (+8 %), dont 8,5 milliards d&#8217;euros en \u00e9pargne. R\u00e9sultat avant imp\u00f4t 539 millions d&#8217;euros (+26 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>\u00c9pargne<\/b><span style=\"font-weight: 400;\"> : collecte brute T2 en hausse de 38 %, collecte nette \u00e0 3 milliards d&#8217;euros (vs 0,6 milliards d&#8217;euros T2 2024). Collecte semestrielle \u00e0 5,7 milliards d&#8217;euros (vs 2,9 milliards d&#8217;euros S1 2024). Encours sous gestion : 292 milliards d&#8217;euros.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Protection<\/b><span style=\"font-weight: 400;\"> : chiffre d\u2019affaires en hausse de 5 % au T2, soutenu par l\u2019international, l\u2019assurance dommages et affinitaire, ainsi que les partenaires digitaux.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Assurance au S1<\/b><span style=\"font-weight: 400;\"> : PNB 1,203 milliard d&#8217;euros (+71 millions d&#8217;euros), chiffre d\u2019affaires 22,1 milliards d&#8217;euros (+19,6 %, dont 17,8 milliards d&#8217;euros en \u00e9pargne). R\u00e9sultat avant imp\u00f4t 1,072 milliards d&#8217;euros(+32 %).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li><b>Perspectives<\/b><span style=\"font-weight: 400;\"> : objectif d\u2019un RNPG &gt; 12,2 milliards d&#8217;euros en 2025, avec contribution attendue d\u2019Axa IM. Int\u00e9gration d\u2019Axa IM lanc\u00e9e (fusion des entit\u00e9s AM et REIM d\u2019ici fin 2025) pour devenir leader europ\u00e9en de la gestion de l\u2019\u00e9pargne longue.<\/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<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=\"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<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=\"interiale\"><\/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 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<\/div>","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>","protected":false},"author":1,"featured_media":22287,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[718],"class_list":["post-25985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fr","tag-restez-au-courant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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