FFSA In 2005, 295 enterprises conducting insurance, investment and reinsurance business are members of the FFSA. These companies belong to one of two trade organizations, depending on their legal form: The Fédération française des sociétés anonymes d assurance (FFSAA): corporations The Fédération française des sociétés d assurance mutuelle (FFSAM): mutual societies. FFSA member companies represent 90% of the market. The remaining 10% is controlled by: Some direct writing mutuals that are not members of the FFSA, and which belong to the Groupement des entreprises mutuelles d assurances (Gema); A few companies that do not belong to any trade organization. Companies in the assistance business, which differs from insurance, have their own trade organization. The 295 member companies of the FFSA can be broken down as follows: 183 French corporations; 64 mutual insurance societies; 48 branch offices of foreign companies. FFSA governance BUREAU MEMBERS (AS OF MAY 15, 2005) President: Mr. Gérard de La Martinière Vice Presidents: Mr. Jean Azéma, PRESIDENT OF THE FÉDÉRATION FRANÇAISE DES SOCIÉTÉS D ASSURANCE MUTUELLE, CEO OF GROUPAMA Mr. Claude Bébéar, CHAIRMAN OF THE AXA GROUP SUPERVISORY BOARD Mr. Jean-Philippe Thierry, PRESIDENT OF THE FÉDÉRATION FRANÇAISE DES SOCIÉTÉS ANONYMES D ASSURANCE, CHAIRMAN OF AGF Members: Mr. Gilles Benoist, CHAIRMAN OF CNP ASSURANCES Mr. Thierry Derez, CHAIRMAN AND CEO OF GMF AND ASSURANCES MUTUELLES DE FRANCE Mr. Michel Dupuydauby, CEO OF MACSF Mr. Denis Kessler, CHAIRMAN OF SCOR Mr. Michel Lucas, CHAIRMAN OF ACM Mr. François Pierson, CHAIRMAN OF AXA FRANCE ASSURANCE Mr. Jacques Richier, CHAIRMAN OF SWISS LIFE FRANCE Mr. Bruno Rostain, PRESIDENT OF THE AVIVA FRANCE MANAGEMENT BOARD Mr. Alain de Saint-Martin, CHAIRMAN AND CEO OF SOGECAP Mr. Jean-Claude Seys, CHAIRMAN OF MMA Mr. Claude Tendil, CHAIRMAN AND CEO OF GENERALI FRANCE HOLDING Mr. Michel Villatte, CEO OF PRÉDICA Mr. Paul Villemagne, CHAIRMAN AND CEO OF BNP PARIBAS ASSURANCES Treasurer: Mr. Claude Flament 77
EXECUTIVE COMMISSION (AS OF MAY 15, 2005) President: Mr. Gérard de La Martinière Vice Presidents: Mr. Jean Azéma, Mr. Claude Bébéar and Mr. Jean-Philippe Thierry Treasurer: Mr. Claude Flament Managing Director: Mr. Jean-Marc Boyer Members appointed by the FFSAA: Mr. Gilles Benoist, Mr. Alain Ficheur, Mr. Christian Herzog, Mr. Denis Kessler, Mr. Éric Lombard, Mr. Thierry Masquelier, Mr. Laurent Mignon, Mr. Jacques Richier, Mr. Bruno Rostain, Mr. Alain de Saint-Martin, Mr. Paolo Ribotta, Mr. Claude Tendil, Mr. Paul Villemagne, Mr. Bertrand Voyer, and Mr. Jean-Pierre Walbaum Members appointed by the FFSAM: Mr. Jean-François Allard, Mr. Jacques Deparis, Mr. Thierry Derez, Mr. Lionel Didelot, Mr. Gilles Dupin, Mr. Patrick Duplan, Mr. Michel Dupuydauby, Mr. Emmanuel Edou, Mr. Patrice Forget, Mr. Jean-Laurent Granier, Mr. Rolph Harff, Mr. Brice Leibundgut, Mr. Paul Limbour, Mr. Michel Lucas, Mr. Thierry Martel, Mr. Patrick Peugeot, Mr. François Pierson, Mr. Yves Roupnet, Mr. Alain Schmitter, Mr. Jean-Claude Seys, and Mr. Michel Villatte SELECTION, OVERSIGHT AND SOLVENCY COMMITTEE Members: Mr. Claude Flament, Mr. Bernard Pottier, and Mr. Alain Tempelaere ETHICS AND COMPLIANCE COMMISSION President: Mr. André Babeau Members appointed by the FFSAA: Mr. Jean-Louis Chauvin, Mr. Gérard Cuzin, Mr. Jean-François Debrois, and Mr. Pierre de Villeneuve Members appointed by the FFSAM: Mr. Jad Ariss, Mr. Christian Baudon, Mr. Michel Dupuydauby, Mr. Brice Leibundgut AML (ANTI-MONEY LAUNDERING) COMMISSION President: Mr. Michel Villatte Chairmen of the standing commissions: Mr. Jean-Claude Chollet (Plenary Commission of Property and Casualty Insurance) Mr. Claude Fath (Plenary Commission of Life and Health Insurance) Mr. Germain Férec (Social Affairs Commission) Mr. Philippe Giraudel (Legal, Tax and Competition Commission) Mr. Jean-Laurent Granier (Distribution Commission) Mr. Antoine Lissowski (Plenary Commission of Economics and Finance) Mr. Thierry Masquelier (Reinsurance Commission) 78
Standing commissions and technical committees PLENARY COMMISSION OF PROPERTY AND CASUALTY INSURANCE Chairman: Mr. Jean-Claude Chollet Agricultural Committee: Chairman, Mr. Stéphane Gin Cessions Committee: Chairman, Daniel Fortuit Legal Coordination Committee: Chairman, Mr. Olivier Colombel Construction Committee: Chairman, Mr. Guy d Argentré Commercial Committee: Chairman, Mr. François Bucchini Insurer-Reinsurer Liaison Committee: Chairman, Mr. François Vilnet Small Business Owners & Self-Employed Workers Committee: Chairman, Mr. Jean-Paul Guilhamon Safety and Prevention Committee: Chairman, Mr. Dominique Santini Reinsurance Committee: Chairman, Mr. François Vilnet Medical Liability Committee: Chairman, Mr. Jacques Arrondeau Statistics & Forecasts Committee: Chairman, Mr. Patrick Lemoine MAT Insurance Commission: Chairman, Mr. Patrick de La Morinerie Aviation & Space Research Committee: Chairman, Mr. Jean-Michel Gicquel Hull Research Committee: Chairman, Mr. Denis Develey Cargo Research Committee: Chairman, Mr. Christophe Delon Land Transportation Research Committee: Chairman, Mr. Henry-Olivier Outrequin PLENARY COMMISSION OF LIFE AND HEALTH INSURANCE Chairman: Mr. Claude Fath Professional Ethics Committee: Chairman, Mr. Jean-François Debrois Distribution Committee: Chairman, Mr. Jean-Yves Hermenier Group Committee: Chairman, Mr. Gérard Ménéroud Legal & Tax Committee: Chairman, Mr. François Bertout Health & Accident Committee: Chairman, Mr. Gilles Johanet Reinsurance Committee: Chairman, Mr. Romain Durand Life & Health Insurance Statistics Committee: Chairman, Mme Brigitte Dubus Life Committee: Chairman, Mr. Pierre de Villeneuve PLENARY COMMISSION OF ECONOMICS AND FINANCE Chairman: Mr. Antoine Lissowski Real-Estate Commission: Chairman, Mr. Jean-Louis Brunet Asset-Liability Matching Committee: Chairman, Mr. Jean Vecchierini de Matra Financial Statements Committee: Chairman, Mr. Jacques Le Douit LEGAL, TAX AND COMPETITION COMMISSION Chairman: Mr. Philippe Giraudel Legal Committee: Chairman, Mr. Emmanuel Bus Tax Committee: Chairman, Mr. Olivier Brusson DISTRIBUTION COMMISSION Chairman: Mr. Jean-Laurent Granier REINSURANCE COMMISSION Chairman: Mr. Thierry Masquelier SOCIAL AFFAIRS COMMISSION Chairman: Mr. Germain Férec 79
FFSA President: Gérard Managing Director: General Secretary: Gilles Wolkowitsch General affairs and budget Property and casualty insurance Life and health insurance Legal, tax and competition Frédéric Loubière Claude Delpoux Gilles Cossic Philippe Poiget Professionals PREVENTION La Prévention routière President: Bernard Pottier Managing Director: Pierre Gustin CNPP National center for prevention and safety President: Serge Magnan Managing Director: Benoît Clair APS Insurers-prevention-health President: Alexis Lehmann Director: Alain Rouché Châtaigneraie functional rehabilitation centers President: Jean Flory Director: Renaud Coupry PROPERTY CASUALTY ADMINISTRATION ORGANIZATIONS SET UP WITH THE GEMA HEALTHCARE AND IT Alfa Insurance anti-fraud agency President: Philip Estève Director: Jean-Marie Bonhomme Agira Association for the management of information on automobile risks President: Jean-Pierre Guy Director: Philippe Rulens BCF French central bureau President: Gilles Brunet Director: Françoise Dauphin SRA Auto safety and repairs President: Guillaume Rosenwald Director: Michel Bournet Gats Blood transfusion insurance group President: Pierre Florin GCA Management of insurance agreements President: Stéphane Penet Director: Françoise Kowalczyk Aredoc Bodily injury compensation research association President: Serge Brousseau Managing Director: Dr Hélène Hugues-Bejui Mission risques naturels Natural risks President: Dominique Santini Director: Roland Nussbaum Apria RSA Management of mandatory and supplemental health insurance and business IT President: Denis Ploton Managing Director: Jean-François Balthazar GIE Sintia (IT network) Administrator: Alain Rouché Gareat Management of insurance and reinsurance coverage of terrorism risks President: Jacques Deparis GTAM/GTREM Temporary pool for medical insurance Temporary pool for medical reinsurance President: Pierre Florin 80
services de La Martinière Jean-Marc Boyer Parliamentary affairs: Jean-Paul Laborde Public affairs Anne Morrier Social affairs Pierre Laederich Economic, financial and international affairs Philippe Trainar Research, statistics and information systems Pascal Bied-Charreton organizations TRAINING AND EMPLOYMENT COOPERATION Groupe École nationale d assurances President: Michel Villatte École nationale d assurances President: François Ewald Association pour l enseignement de l assurance President: Jean-Luc Boudard Adap Insurance training center President: Monique Chézalviel Managing Director: Pascal Lévèque Opcassur Joint organization authorized to raise funds for part-time and full-time training in insurance President: Francis André Observatoire de l évolution des métiers de l assurance President: Bruno Seydoux General Secretary: Gérard Lobjeois Apesa Association for employment in insurance companies President: Marie-Pierre Sauret Director: Jean-Luc Vicherat Acia Agency for international cooperation in the insurance industry President: Jacques Bourthoumieux General Secretary: Ze Ying Zhao REINSURANCE ARF Association of French Reinsurers President: Thierry Masquelier Secretary: Jean-Marc Szmaragd RETIREMENT AND PERSONAL PROTECTION Groupe B2V Retirement and personal protection group Managing Director: Jean-Michel Mangin Director: François Dez B2V Group summit association President: Solange Morgenstern B2V Gestion Inter-division partnership President: Jacques Campora Asarpa Insurance retirement and personal protection monitoring association President: Jean-Luc Leygonie BCAC Group insurance office President: Gérard Ménéroud Creppsa Retirement and employee benefit fund for insurance company employees President: Jean-Jacques Delahaye Ircasa Retirement fund for management and exempt employees of insurance companies President: Solange Morgenstern Irpesa Retirement fund for employees of insurance companies President: François Milet Sacra Insurance company consolidating insurance industry retirement pensions Chairman of the Supervisory Board: Claude Flament Chairman of the Executive Board: Hubert Stoclin 81
FFSA list of members as of April 1, 2005 Active members Ace European Group Limited Acte IARD Acte vie AFI Europe IARD AFI Europe AIG Europe AIOI Insurance Company of Europe Limited Albingia Alico SA Allianz Marine & Aviation (France) Alsacienne vie Alte leipziger Versicherung AG AM prudence SA AME réassurance Apri Insurance SA Arcalis Areas-CMA Arial assurance Assistance protection juridique Associations mutuelles Le Conservateur Assurance conseil défense et recours Assurance mutuelle fédérale Assurances capitalisation épargne et prévoyance (Acep) Assurances crédit mutuel Nord IARD (ACMN IARD) Assurances du crédit mutuel IARD SA Assurances du crédit mutuel Nord vie (ACMN vie) Assurances du crédit mutuel vie mutuelle Assurances du crédit mutuel vie SA Assurances du Sud Assurances fédérales IARD Assurances générales de France IART (AGF IART) Assurances générales de France La Lilloise (AGF La Lilloise) Assurances générales de France vie (AGF vie) Assurances multirisques interprofessionnelles de la santé (Amis) Assurances mutuelles Le Conservateur Assurances mutuelles de France Assurances mutuelles de Picardie Assurposte Assu-vie Auria-vie Auxia Auxiliaire Avanssur Avip vie Aviva assurances Aviva courtage Aviva direct Aviva vie Axa art Axa assurances IARD mutuelle Axa assurances vie mutuelle Axa assurcrédit Axa cessions Axa Corporate Solutions Assurance Axa courtage assurance mutuelle Axa France IARD Axa France vie Axa re finance Axa re Axéria assurances Axéria IARD Azur assurances IARD Azur vie Barclays vie Caisse centrale de réassurance Caisse d assurance mutuelle des entreprises industrielles et commerciales (Cameic) Caisse d assurance mutuelle du bâtiment et des travaux publics (CAMBTP) Caisse d assurance mutuelle vie (CMV) Caisse d assurances mutuelles du Crédit agricole (Camca) Caisse de garantie des professionnels de l assurance Caisse de garantie immobilière du bâtiment (CGI bâtiment) Caisse fraternelle vie Caisse industrielle d assurance mutuelle (CIAM) Caisse interprofessionnelle mutuelle assurances (Cima) Caisse intersyndicale d assurance de la région lyonnaise (CIARL) Caisse meusienne d assurances mutuelles Caisse mutuelle d assurances sur la vie Caisse mutuelle marnaise d assurance Caisse nationale de prévoyance assurances (CNP assurances) Caisse nationale de prévoyance IAM (CNP IAM) Caisse nationale de prévoyance international (CNP international) Calypso Capma-Capmi Cardif assurance vie Cardif risques divers Carma Cérès CGI assurances CGNU Life Assurance Ltd CGU Insurance PLC Chubb Insurance Company of Europe SA Cité européenne CNA Insurance Company Ltd Compagnie de gestion et de prévoyance Compagnie de réassurance d Ile-de-France (Corifrance) Compagnie européenne d assurances Compagnie française d assurance pour le commerce extérieur (Coface) Compagnie française de défense et de protection (CFDP) Compagnie nantaise d assurances maritimes et terrestres Companhia de seguros fidelidade - Mundial SA Comtoise, Continental Insurance Company of New York Coparc Covea Fleet Covea Risks Crédit logement assurance Défense automobile et sportive Direct assurance vie Eagle Star Insurance Cy Ltd Ecureuil assurance IARD Ecureuil vie Elvia assurances voyages Equité Erisa Erisa IARD Esca Etoile Euler-Hermès- Sfac Eurofil Européenne de protection juridique Fédération continentale Finaref risques divers Finaref vie Finistère Foncier assurance Fortis assurances Gan assurances IARD Gan assurances vie Gan eurocourtage IARD Gan eurocourtage vie Gan Pacifique IARD Gan Pacifique vie Gan patrimoine Gan prévoyance Garantie mutuelle des fonctionnaires (GMF) Gen Re Generali assurances IARD Generali assurances vie Génération vie Gerling-Konzern Allgemeine Gerling Namur assurances du crédit SA GFA Caraïbes GMF assurances GMF vie Gothaer Groupama assurances crédit Groupama protection juridique Groupama SA Groupama transport Groupama vie Groupe d assurances mutuelles de l Est (Gamest) Groupe des populaires d assurances IARD (GPA IARD) Groupe des populaires d assurances vie (GPA vie) Groupement français de caution Guardian vie HDI Industrie Versicherung AG Helvetia assurances Hiscox Insurance Company Ltd (France) If assurances France IARD Imperio assurances et capitalisation SA Imperio companhia de seguros Inora Life Inter Partner Assistance Intervie Jura Juridica Legal & General (France) Liberty Mutual Insurance Europe Limited Lloyd s de Londres MACSF épargne retraite MACSF prévoyance Le Mans caution SA Mapa mutuelle d assurance Marine Insurance Company Ltd Mathis assurances Médéric IARD Médéric vie Médicale de France Mitsui Sumitomo Insurance Co (Europe) Ltd MMA IARD MMA IARD SA MMA vie MMA vie SA Monceau générale assurances SA Mondiale Mondiale accidents Mondiale partenaire MRACA (Société d assurance du Crédit agricole Nord de France) Munich Re France services Mutrafer Mutuelle centrale de réassurance (MCR) Mutuelle d assurance des armées Mutuelle d assurance des pharmaciens Mutuelle d assurances de 82
la ville de Thann Mutuelle d assurances du corps de santé français (MACSF) Mutuelle de l Allier et des régions françaises assurances (MARF assurances) Mutuelle de Poitiers assurances Mutuelle des architectes français assurances Mutuelle des îles Saint-Pierre-et-Miquelon Mutuelle des provinces de France assurances (MPF assurances) Mutuelle des risques d assurance des caisses d épargne de France (Muracef) Mutuelle du Poitou Mutuelle phocéenne assurances Mutuelle Saint-Christophe assurances Natio assurance Natio vie Nationale suisse assurances Nationale suisse assurances vie Neuflize vie Nieuw Rotterdam Nippon Insurance Company of Europe Ltd Norwich Union Insurance Ltd Optimum vie Pacifica Paix protection juridique et fiscale La Parisienne assurances Partner re SA Les Pays-Bas de 1845 SA La Pérennité Prédica Prépar IARD Prépar vie Prévifrance vie Préviposte Prévoir risques divers Prévoir vie Prévoyance re Prévoyance réassurance incendie multirisques auto (Prima) Protexia France Prudence créole Prudence vie Prudential Assurance Cy Ltd QBE Insurance (International) QBE International Insurance Ltd Qualis, Quatrem assurances collectives Rac France SA RD plus Reale mutua di assicurazioni Réassurance intercontinentale Rem vie Réunion des mutuelles d assurances régionales (Rema) Risques civils de la boulangerie et de la boulangerie-pâtisserie françaises Royal and Sunalliance Assurances SA Royal International Insurance Holdings La Rurale S3R Sagevie Sauvegarde Scor vie Sécurité familiale Serenis Sirius Insurance Cy Ltd Skandia Link SA Societa italiana assicurazioni transporti (SIAT) Société anonyme d assurance sur la vie et de capitalisation (Sogecap) Société anonyme de défense et d assurances (Sada) Société anonyme générale d assurances (Sagena) Société commerciale de réassurance (Scor) Société d assurance des crédits des caisses d épargne de France (Saccef) Société d assurance mutuelle de l armement à la pêche (Samap) Société d assurances familiales des salariés et artisans du bâtiment et des travaux publics (SAFBTP IARD) Société d assurances familiales des salariés et artisans du bâtiment et des travaux publics (SAFBTP vie) Société d épargne viagère (SEV) Société française d épargne et de retraite (Socapi) Société hospitalière d assurances mutuelles (Sham) Société mutuelle d assurance du bâtiment et des travaux publics (SMABTP) Société mutuelle d assurance sur la vie du bâtiment et des travaux publics (SMAvie BTP) Société mutuelle d assurances de Bourgogne Société suisse d assurances générales sur la vie humaine Sogessur Sompo Japan Insurance St Andrew s Insurance PLC St Andrew s Life Assurance PLC Suisse Compagnie anonyme d assurances générales Suisse de réassurance France Suravenir Suravenir assurances Swiss Life assurance et patrimoine Swiss Life assurances de biens Swiss Life prévoyance et santé Télévie Thelem assurances Tokio Marine Europe Insurance Ltd (UK) UBS Iinternational Life Union des mutuelles d assurances Monceau (Umam) Union européenne d assurance Unistrat assurances Unofi assurances Vie plus Vitalia vie XL Insurance Company Limited XL re Europe Zurich Compagnie d assurance Zurich international (France) 83