AXA Corporate presentation · CSR leader The #1 global green insurance brand AXA Corporate Presentation. ... Chief HR Officer COUROUBLE Philippe Head of P&C Corporate D’ANIELLO

AXA CORPORATE PRESENTATION

CONTENTS

1. AXA Group P.03

2. AXA in Belgium P.08

1.AXA Belgium P.10

2.AXA Bank Europe P.15

3.A responsible company P.19

2 | AXA Corporate Presentation

AXA GROUP AT A GLANCE

April 2016

In a fast-changing world

Our mission

IN A FAST-CHANGING WORLD

POPULATION

DYNAMICS

SCIENTIFIC, MEDICAL & TECHNOLOGICAL

ADVANCES

ADDITIONAL CONSTRAINTS COMING FROM

STRENGTHENED REGULATION

Population growth;

ageing; urbanization,

especially along

coastlines;

migration; new

middle classes;

conflict zones in

areas of rising

density and/or

inequality

Exponential growth

in available data;

far-reaching

changes in the

functioning of our

economies and

behavior of our

customers

Protecting

customers; ensuring

companies’ financial

soundness; informing

customers, investors

and other

stakeholders;

ensuring fair

competition

AWARENESS OF

ENERGY &

ENVIRONMENTAL

ISSUES

Energy uncertainty;

climate risk;

natural disasters


Protecting people and businesses,

so they can pursue their lives and

ventures with peace of mind

Our business

NOW A GLOBAL LEADER IN INSURANCE AND ASSET

MANAGEMENT (2015 figures)

7 |

€98BN

Revenues

€5.6BN

Underlying earnings

€68.5BN

Shareholders’ equity

€1,363BN

Assets under management

Existing AXA locations

Based in 59 countries

166,000 employees

and distributors

Serving

103 million customers

AXA Corporate Presentation

…ALSO A SUCCESSFUL BRAND

Interbrand ranking

8 |

A strong brand

The #1 global

insurance brand

worldwide

since 2011

A recognized

CSR leader

The #1 global

green insurance

brand


AXA at a glance | April 2016

PROTECTING OUR CUSTOMERS, PEOPLE AND BUSINESSES

Making their savings grow

People Protecting their operations

Protecting their business

Protecting their partners and their environment

Protecting their employees

Protecting their assets

Protecting their health

Protecting the future of their loved ones

Businesses

9 |

OUR AREAS OF EXPERTISE

10 |

PROPERTY & CASUALTY

and international

insurance Motor vehicles, homes,

assistance, marine, aviation

SAVINGS & ASSET

MANAGEMENT Managing and growing investments

PROTECTION & HEALTH Medical expenses, disability,

retirement

€11bn in claims1

paid to our individual

customers

€12bn in benefits paid1 to

Protection & Health

customers

€1,363bn of assets2

under management

1. 2015 key figures

2. 12/31/2015


OUR ROBUST & WELL-DIVERSIFIED BUSINESSES (2015 figures)

11 |

Brokers

47% Agents

38%

Direct

11%

Partnerships

4%

Exclusive Non-exclusive

A ROBUST BALANCE SHEET

Shareholder’s Equity

Solvency II Ratio*

Standard & Poor’s

€ 68.5 bn

205%

A+ “positive”

* An insurance company’s solvency is its ability to meet its commitments. Solvency of insurance companies is subject to extensive regulatory supervision. A 100% solvency ratio is considered as the regulatory minimum.

ROBUST OPERATIONAL PERFORMANCE

€98 BN

Total revenues

€5.6 BN

Underlying earnings

€1.10 Dividend per share

+7%1 +10%1 +16%

Protection & Health

25%

Property & Casualty and international

insurance

39%

Savings & Asset Management

36%

A DIVERSIFIED DISTRIBUTION MODEL A WELL-BALANCED BUSINESS MIX

1. change on reported basis


Be the #1 trusted partner

for the long-term protection of

people and assets

Our ambition

OUR TRANSFORMATION JOURNEY

REINVENTING THE AXA CUSTOMER EXPERIENCE


WITH A STRONG FOCUS ON INNOVATION

14 |

3 enablers fostering

innovation culture

to create the

most relevant

services & assets

to better serve

customers


WITH A STRONG FOCUS ON INNOVATION

15 |

COOCs

to share the best training across the Group

Reverse mentoring

to reinforce digital savviness

among senior executives

to promote internal creativity

Partnership with LinkedIn

to get closer to clients and employees

KEY INNOVATION PROGRAMS


EMBEDDING CORPORATE RESPONSIBILITY DEEPER INTO OUR BUSINESS

Partnership with

IFC-World Bank

to support emerging

markets

Since 2009,

€28m saved by reducing energy,

paper and water consumption

For the climate,

€500m of coal divestment

Since 2007,

€131m invested in research

€748m invested in “green” assets

104,578 hours1

of employee volunteering

Since 2011,

€2.3m Invested for risk education

Over 5 years,

20,000 jobs offered to young people

In 2015,

55,000 employees

participated in

CR Week

16 |

1. 2015


« UNE NOUVELLE ÈRE »

17 |

2016 New governance

In September, Henri de Castries retires

Appointment of Thomas Buberl

as CEO

Appointment of Denis Duverne as

non-Executive Chairman of the Board

of Directors


Accompanying you in every moment of your life

AXA in Belgium

AXA in Belgium’s activities

Creating opportunities and covering risks, now and in the future

AXA Corporate Presentation 19

ASSETS MANAGEMENT

helps you create future opportunities

(2)

ASSISTANCE supports you in

problems now

INSURANCE protects you

against future risks

(1)

BANK helps seize opportunities now

(1) AXA Insurance company in Belgium is named AXA Belgium

(2) AXA assets management companies in Belgium are named AXA Private Management (Architas) and AXA Investment Management

Flexible insurance solutions adapted to your real needs

AXA Belgium

AXA Belgium at a glance

AXA Corporate Presentation 21 |

4,000

2.9 million customers

4,300 employees brokers

bank agents

740

Our areas of expertise

22 |

PROPERTY & CASUALTY Motor vehicles, homes,

assistance

LIFE & SAVINGS Medical expenses, disability,

retirement, managing and growing

investments

#1 18,2% du

marché #2

12,6%

du marché

1,3 millions vehicles insured

0,9 million homes protected

28 billions € assets managed

0,9 million

persons insured in group insurance


Strong results in a low rates environment

AXA Corporate Presentation 23

1.002 988

1.025 1.023

2014

2.011

2015

2.027

-0,8%

241215

2015

12%

2014

OPERATING RESULT (€m)

601 648

1.213 1.068

1.814

2014 2015

-5%

1.716

163156

2014 2015

4%

REVENUES (€m)

P&C Retail

28%

P&C Corporate

26%

Life & Savings Retail

29%

DISTRIBUTION OF ACTIVITES

Life & Savings Corporate

17%

Management Committee AXA Belgium

AXA Corporate-presentatie 24 |

VAN IN Jef Chief Executive Officer

DEPAEMELAERE Koen Head of Life

BEECKMAN Dirk Head of P&C Retail

WUIAME Sabine Chief Risk Officer

UYTTERHOEVEN Gunter Chief Customer & Data

SLITS Stéphane Head of Retail

SONNEVILLE Isabelle Chief HR Officer

COUROUBLE Philippe Head of P&C Corporate

D’ANIELLO Giovanni Chief Information Officer

MUGNIER Christophe Chief Financial Officer

DUPONT Céline Chief Transformation Officer

A simple and transparent retail offer in savings and mortgage loans

AXA Bank Europe

AXA Bank Europe


AXA Bank Europe


AXA Bank Europe


Management Board AXA Bank Europe


VAN IN Jef Chief Executive Officer

DE RYCKER Sabine Chief Commercial Officer

DUPONT Céline Head of Product Management &

Operations

VERCOUSTRE Emmanuel Deputy CEO – Chief Financial Officer

GILLES Françoise Chief Risk Officer

GHYSEL Jeroen Chief Information Officer

A responsible company

Is part of AXA’s DNA (protection) as an insurance company

Strategically focusses on Risk Research and Education

2 major Risks identified in Belgium: Climate Change and Longevity

Corporate responsibility @ AXA in Belgium


Climate change Longevity

Corporate Responsibility: 6 pillars to have impact


Employee

empowerment and

engagement

Well-being

Diversity & Inclusion

Product

development (CR

products)

Client education to

prevent risks

Reduced ecological

footprint (building,

transportation,

paper, etc.)

Best Global Green

Brand in the

insurance industry

Community

volunteering through

AXA Hearts in

Action

Skilled Based

Volunteering :

Leverage of AXA

specific

competences

Constructive

relationships with

consumer

associations, NGOs,

Media, Assuralia &

Febelfin and

governments

Responsible

Investment (ESG

Criteria)

Transparency and

ethics in supplier

selection

Responsible and

sustainable

suppliers

WE WANT AXA TO BE A COMPANY WHERE SUSTAINABILITY AND RESPONSIBILITY ARE INTRINSIC PRINCIPLES AT

ALL LEVELS OF THE ORGANIZATION, FROM TOP MANAGEMENT TO ALL INDIVIDUAL EMPLOYEES

AXA Belgium has reached the strategic

stage with a score of 71/100


7164626057

2011 2010 2013 2014 2012 "It’s not our responsibility” Defensive

Stage (20-36)

"We'll do what we have to do“

"It’s part of our job”

"It gives us a competitive advantage“ Strategic

Stage (69-84)

“We have to make sure everyone works for this” Civic Stage (85-100)

Compliance Stage

(37-52)

Management Stage

(53-68)

Discover more on http://cr-barometer.axa.com/en/

CR Performance is translated into a CR Index

Strategic Maturity level according to Dow Jones Sustainability Index

AXA’s approach to integrating long term environmental, social and governance factors into our business is based on detailed performance indicators

that are reviewed every year by every local entity. This process and the results are fully disclosed in our CR Index, based on the Dow Jones

Sustainability Index

http://cr-barometer.axa.com/en/




AXA Hearts in Action is the Corporate Volunteering Program of AXA. It offers an opportunity to all employees to contribute to a social cause by volunteering.

In 2014, the 21 AXA Hearts in Action correspondents organised 38 events:

6000 hours volunteering,

2600 participants,

70 Social Purpose Organisations supported,

AXA Hearts in Action: corporate volunteering


Social exclusion

Climate change

Longevity

Fighting exclusion in all its forms

Footprint management in order to reduce our CO2 emissions

Prevention and healthy aging

AXA has an exclusive national partnership with Relay for Life where funds are raised for Cancer Research

AXA organizes a social Christmas Market so that 70 non-profits associations can sell their products

AXA Running Team organizes the AXA Foulées in summer and in winter. Benefits are given to an association

AXA is a founding partner of the Toekomst Atelier de l’Avenir where we teach children financial skills

AXA is a long time partner of the Special Olympics

AXA’s employees receive a

breakfast in return for a in-kind or

a cash donation during Exchange

breakfasts

Some concrete examples of our actions


1 million euro donated to

professor Carmeliet for cancer

research at the KUL/VIB

3 million euro donated to AXA

longevity chair in neurosciences

at ULB

AXA is a proud partner of the Belgian Coastguards since many years

AXA is a national partner of the Cardiology Foundation and of the Chevalier du Coeur

AXA is a national partner of GoodPlanet and wants to motivate its employees to contribute to a ‘good planet’

AXA organizes the CR week in all locations in Belgium with more than 40 prevention and volunteering events

AXA supports innovative and cutting-edge projects within the areas of environmental risks, life risks and socio-economic risks with its AXA Research Fund

Some concrete examples of our actions


Disability Ability rather than disability

More info about D&I @ AXA in Belgium

Agile Working

To work around your life rather

than to live around your work

Multi generations 4 generations working together

Sexual Orientation “I can be me”

Gender

To get more women into senior

management to obtain a balanced

leadership

“ Diversity and Inclusion create

a more effective and

innovative working

environment “

Diversity & Inclusion @ AXA

“ We at AXA want to achieve our ambition of becoming the most inclusive company in the financial services and an employer of choice”.


Denis DUVERNE D&I Executive Sponsor and AXA Group Deputy CEO

https://www.axa.be/ab/FR/a-propos-dAXA/diversite-et-inclusion/Pages/default.aspx


Documents

AXA Corporate presentation · CSR leader The #1 global green insurance brand AXA Corporate Presentation. ... Chief HR Officer COUROUBLE Philippe Head of P&C Corporate D’ANIELLO