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Ratings

Financial Strength Ratings
SRI Ratings

Financial Strength Ratings

Insurer Financial Strength Ratings

The Company's principal insurance subsidiaries

Agency	Rating	Outlook	Last update
Standard & Poor's	A+	Stable	12/18/2012
Moody's	Aa3	Negative	04/30/2013
Fitch	AA-	Negative	05/03/2013

Ratings of the Company's Long Term and Short Term Debt

Senior Debt

Agency	Rating
Standard & Poor's	A-
Moody's	A2
Fitch	A-

Short Term Debt

Agency	Rating
Standard & Poor's	A-2
Moody's	P-1
Fitch	F-1

SRI Ratings

The Group's environmental, social, and governance (ESG) performance is evaluated by various organisations, including rating agencies serving the research needs of the socially responsible investment (SRI) market. The Group is generally ranked above average in its industry and is also included in the three main international ethical indexes: DowJones Sustainability Index (based on research by SAM), FTSE4GOOD (Eiris) and Aspi Eurozone (Vigeo).

The following tables present an overview of the Group's main ESG ratings and scores.

SAM / Dow Jones Sustainability Index (DJSI)

	2012		2011		2010		2009		2008
Inclusion in DJSI STOXX index	Yes		Yes		Yes		Yes		Yes
	AXA Score	Sector Average	AXA Score	Sector Average	AXA Score	Sector Average	AXA Score	Sector Average	AXA Score	Sector Average
Economic	77%	61%	79%	61%	80%	61%	79%	58%	79%	58%
Social	65%	41%	63%	39%	60%	37%	68%	43%	71%	50%
Environment	80%	46%	85%	44%	73%	41%	66%	46%	61%	41%
Score général	74%	50%	74%	68%	70%	46%	71%	49%	71%	50%

EIRIS / FTSE4GOOD index

	2012		2010	2009	2008
Inclusion in FTSE4GOOD index	Yes		Yes	Yes	Yes
	Absolute score	Supersector average	*	*	*
Social	5/5	10/10
Environment	5/5	10/10
Gouvernance	4/5	8/10
Overall score	4.6/5	98/100

* No ratings prior to 2012

Vigeo*

	2010		2008		2006		2005

	AXA Score	AXA rating	AXA Score	AXA rating	AXA Score	AXA rating	AXA Score	AXA rating
Human Resources	51	+	52	+	64	+	68	+
Human rights	55	+	53	+	63	+	67	+
Community involvement	42	+	63	+	76	+	73	+
Environment	57	+	54	+	57	+	61	+
Business behaviour	55	+	59	+	63	+	59	+
Corporate governance	56	=	48	=	46	=	47	-

Definition of ratings: --: least developed businesses in the sector; -: businesses lower than average for the sector; =: businesses in line with average for the sector; +: active businesses; ++: sector's most committed businesses

* Vigeo does not freely provide ratings since 2011

Sustainalytics

	2011		2010
Score général	75/100	53/100	70/100	53/100
Criteria	AXA Score	Sector Average	AXA Score	Sector Average
Environment	63/100	47/100	62/100	46/100
Social	79/100	60/100	65/100	59/100
Governance	82/100	53/100	81/100	52/100

Oekom

	2012	2009	2007	2006
AXA rating	C "Prime"	C+ "Prime"	C "Prime"	C "Prime"
Social rating	C "medium"	C+	C "medium"	C "medium"
Environmental rating	C "medium"	C+	C- "medium"	C- "medium"