It would be very irresponsible to not do so

Can what results you present a year after the creation of Sferen

The stage of construction, which has occupied much of the year 2010, was a necessary prerequisite for the success of Sferen. We have finally obtained all the necessary amenities. The constitution of the record for the competition authority has been a heavy burden. It took also hire a General Manager that collects the confidence of the three groups. We we are easily granted to the name of Paul Le Bihan former Director of the insurance group BPCE pole. This choice is the illustration of a great ambition. The most significant concrete results are coming in 2011.

What precisely is the roadmap of Paul Le Bihan

It must realize the ambitions set out in Sferen, starting with seven cooperation projects identified at the outset. It's mission of "booster" these projects, to establish a timetable for implementation and to facilitate teams dedicated by each mutual. It is both a locomotive and unifier. He must train three mutual at the same time on these projects but on all of the objectives of Sferen more widely.

Do will Sferen only remain a tool of alliance

A reflection in depth is involved in each of three mutual on what must be Sferen on the horizon of five years. How far do we want to go without losing our identity Sferen can certainly not be limited to the mere sharing of repairers... Our line on the possible developments to be fixed as soon as next year.

You are therefore considering a more integrative model, the Covéa...

We do not forbid to think. It would be very irresponsible to not do so.

What are the priorities in terms of economies of scale

Purchases related to insurance (car repair, networks approved garage, expertise, lawyers, etc.), because it is there that the synergies are faster to implement and the most significant gains. It is a site that goes well.

When do you expect the first benefits of Sferen

We have 2011 visible results on which we can communicate, and well before our second anniversary! We have already obtained initial results on purchases excluding insurance. I signed my first contract for Sferen with the position in June, what did we save hundreds of thousands of euros. We also won 2 million euros in responding to computer tender. We have also negotiated together part of the reinsurance and savings. We are negotiating for 2011 additional coverages to climate risks. This is so not call into question the common treaty reinsurance of Gema (grouping of mutual insurance companies).

Do you envisage working together in life

This site has not much advanced for the time being. We have however moved in the area of insurance-borrower, a field that recent legislative developments made more open. Via Securimut, the subsidiary of the Macif, we offer now a very competitive Maif-Macif common product to our members. The AISAM has wished to remain observer on this subject.

Do you still in service to the person, given the difficulties of your subsidiary is

Things have evolved in the bad sense lately, as much on France home, including the AISAM and the Macif were partners, that is, in which the Maif and the Macif are shareholders. The human services have never met the success expected at launch time by Jean-Louis Borloo. Is losses are such (approximately EUR 12 million) that two of its four partners, MGEN and BPCE, have decided to withdraw from the project beginning next January. Restructuring is, unfortunately, will induce a second social plan. In parallel, we are considering operational rapprochement with IMA, the assisteur of mutual, to try to balance the activity.

What are the objectives in terms of reducing costs

We prefer not to give figure for the time being. You expect lot of Sferen, but must first wait much ourselves. A the Maif, we introduced last week a plan to restore our profitability and competitiveness on the automotive risk. The 2014 horizon, we hope to save 50 million euros per year on expenses related to claims, representing EUR 700 million per year. This will involve playing on a set of levers, pricing portfolio monitoring.

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