CONTENTS PROFILE 2 SELECTED FINANCIAL AND NON-FINANCIAL DATA 3 1 COMPANY OVERVIEW 7 1.1 Providing insurance for over 160 years 8 1.2 Business and strategy overview 9 1.3 Corporate governance 17 1.4 Group organisational structure 19 2 BUSINESS AND FINANCIAL REVIEW 21 2.1 Significant events of the year 22 2.2 Market and business review 25 2.3 2016 financial review 29 2.4 Embedded value report 35 2.5 Solvency 64 3 FINANCIAL STATEMENTS 65 3.1 Consolidated financial statements 66 3.2 Statutory Auditors’ report on the consolidated financial statements 172 3.3 Company financial statements 174 3.4 Other information 227 3.5 Statutory Auditors’ report on the financial statements 228 4 CORPORATE SOCIAL RESPONSIBILITY 231 4.1 Corporate Social Responsibility at CNP Assurances 233 4.2 Offer protection for everyone 237 4.3 Contribute to a sustainable economy 244 4.4 Be an attractive employer 250 4.5 Foster a sustainable society and environment 263 4.6 Methodology 274 4.7 Concordance table for labour, social and environmental data 276 4.8 Report by the independent third party on the consolidated labour, environmental and social information included in the management report 278 5 CORPORATE GOVERNANCE AND INTERNAL CONTROL 283 5.1 Report of the Chairman of the Board of Directors of CNP Assurances 284 5.2 Governance structure 306 5.3 Members of the Board of Directors 311 5.4 Remuneration of corporate officers of CNP Assurances 333 5.5 Statement on convictions, bankruptcies, conflicts of interest and other disclosures concerning corporate officers 343 5.6 Risk factors 344 5.7 Statutory Auditors’ report on the report of the Chairman of the Board of Directors 356 5.8 Statutory Auditors’ special report on related-party agreements and commitments 357 6 ADDITIONAL INFORMATION ABOUT THE COMPANY AND ITS CAPITAL 369 6.1 General information – Company information 370 6.2 General information – Information about the Company’s capital 377 6.3 Transactions carried out in 2016 under the share buyback programme authorised by the General Meeting of 28 April 2016 393 6.4 Persons responsible for the information and the audit of the financial statements 395 6.5 Fees paid to the Statutory Auditors 397 6.6 Special committees for the exchange of information about CNP Assurances set up with the Company’s shareholders 398 7 ANNUAL GENERAL MEETING OF 13 APRIL 2017 399 7.1 Annual General Meeting of 13 April 2017 400 7.2 Summary table of the authorisations granted by the Annual General Meeting to the Board of Directors of CNP Assurances 415 GLOSSARY 417 REGISTRATION DOCUMENT CONCORDANCE TABLE 427 INFORMATION RELATING TO THE MANAGEMENT REPORT 430 ANNUAL FINANCIAL REPORT THEMATIC CROSS-REFERENCE TABLE 431
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