Financial results

See our financial results, annual and half-year reports and investor presentations.

Executive summary



Key figures 





The current environment of negative rates is breaking with what we knew until then and may last. Facing this environment, several measures are to be taken.

- In the first place, the General Account inflow is braked since the beginning of the year - in the continuity of what has been engaged since 2017. This managed to be done while maintaining a leading position in the French market and a high level of Unit Linked inflows.

- On the other hand, the balance sheet has been protected though a yield hedging program already in place for several years, completed by equity hedges since September. This aims to guard against a falling equity markets risk.


In this environment, AG2R LA MONDIALE maintains a high level of profitability with a half-year result up 13% to €237m without taking more risk in the assets allocation.


Standard & Poor's (S&P) has confirmed on September 26, 2019  « A- » rating with a positive outlook for SGAM AG2R LA MONDIALE and its core entities, La Mondiale, AG2R Réunica Prévoyance, Prima and Arial CNP Assurances


A balanced business development as of 12/31/2018
(premium, Sgam, IFRS, in €bn)



Investment development affected by the financial market as of 12/31/2018



Controlled decrease of General Account exposure and focus on Unit Linked exposure as of 06/30/2019





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