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NOTICE Certain statements contained
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1 Person responsible 8 1.1 Name and
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13 Profit forecasts or estimates 11
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8 PERSON RESPONSIBLE
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1 PERSON RESPONSIBLE 1.1 Name and t
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2.1 Auditors 13 2.2 Resignation or
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14 SELECTED FINANCIAL INFORMATION
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3 GROUP KEY FIGURES (UNDER CURRENT
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4.1 Risk related to the business en
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claims or surrenders of policies th
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B. Life reinsurance The main catego
- Page 24 and 25: statutory reserve requirements or h
- Page 26 and 27: B. SCOR is exposed to Guaranteed Mi
- Page 28 and 29: 4.1.9 FINANCIAL RATINGS PLAY AN IMP
- Page 30 and 31: and amortization expenses related t
- Page 32 and 33: F. Deposits with custodians As part
- Page 34 and 35: 4.2.2 SCOR FACES RISKS RELATED TO I
- Page 36 and 37: Details of intangible assets, relat
- Page 38 and 39: 4.4.2 INCONSISTENT APPLICATION OF E
- Page 40 and 41: See “Appendix B - II. Internal co
- Page 42 and 43: 5.1 History and development of the
- Page 44 and 45: proportion of the voting rights hel
- Page 46 and 47: Gerling Global Re Group, which deve
- Page 48 and 49: 5.2 Investments 5.2.1 PRINCIPAL INV
- Page 50 and 51: 6.1 Primary activities 53 6.2 Princ
- Page 52 and 53: The targets of the strategic plan a
- Page 54 and 55: B. Proportional and non-proportiona
- Page 56 and 57: payment of commercial debts. Surety
- Page 58 and 59: Long-Term Care Long-Term Care (“L
- Page 60 and 61: with local lines of business and po
- Page 62 and 63: transfer solutions (e.g., catastrop
- Page 64 and 65: Retrocession procedures are central
- Page 66 and 67: The portion invested in fixed incom
- Page 68 and 69: 6.2 Principal markets SCOR is chara
- Page 70 and 71: On 6 March 2010, STOXX announced SC
- Page 72 and 73: The premiums up for renewal, which
- Page 76 and 77: 7.1 Brief description of the Group
- Page 79 and 80: 7.1 Brief description of the Group
- Page 81 and 82: On 18 July 2011, SCOR finalised the
- Page 83 and 84: 83 PROPERTY, PLANT AND EQUIPMENT
- Page 85 and 86: 8 PROPERTY, PLANT AND EQUIPMENT 8.1
- Page 87 and 88: 9.1 Financial position 88 9.2 Opera
- Page 89 and 90: 9.2 Operating results This paragrap
- Page 91 and 92: In 2011, gross written premiums hav
- Page 93 and 94: usiness units. This process, and th
- Page 95 and 96: 9.2.6 CALCULATION OF FINANCIAL RATI
- Page 97 and 98: Invested assets, Management classif
- Page 99 and 100: ROE Return on equity is based on th
- Page 101 and 102: 101 CAPITAL RESOURCES
- Page 103 and 104: 10 CAPITAL RESOURCES 10.1 Capital R
- Page 105 and 106: 105 RESEARCH AND DEVELOPMENT, PATEN
- Page 107 and 108: 11 RESEARCH AND DEVELOPMENT, PATENT
- Page 109 and 110: 109 TREND INFORMATION
- Page 111 and 112: 12 TREND INFORMATION 12.1 Most sign
- Page 113 and 114: 12.2 Known trends, uncertainties, d
- Page 115 and 116: 13 PROFIT FORECASTS OR ESTIMATES No
- Page 117 and 118: 14.1 Information on the members of
- Page 119 and 120: Name Date of Birth Other principal
- Page 121 and 122: Name Date of Birth Other principal
- Page 123 and 124: Name Date of Birth Other principal
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Name Date of Birth Other principal
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Name Date of Birth Other principal
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Daniel Valot Daniel Valot, a French
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Name Age Current Position Executive
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François de Varenne François de V
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15.1 Amount of remuneration paid an
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Moreover, certain SCOR directors pa
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Summary table of the gross compensa
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The following table presents the co
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The members of the Executive Commit
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16.1 Date of expiration of the curr
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16.4 Corporate governance regime Si
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17.1 Number of employees 150 17.2 I
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17.2 Information on shareholdings a
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Options exercised Number of stock o
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Stock options granted to the top te
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Plan Share award rights Price per s
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17.3.2 SHARE ALLOCATION PLANS On 4
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30 October 2012 performance shares
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Shareholders meeting and Company's
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Shareholders meeting and Company's
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17.4 Defined pension schemes Severa
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169 PRINCIPAL SHAREHOLDERS
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18 PRINCIPAL SHAREHOLDERS 18.1 Sign
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On 25 May 2010, Credit Suisse Group
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175 RELATED PARTY TRANSACTIONS
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19 RELATED PARTY TRANSACTIONS 19.1
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months preceding the date of his de
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4. With SCOR Global Life Reinsuranc
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legal documentation relating to the
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• allow SCOR entities, party to t
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Paris-La Défense, 5 March 2013 Fre
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20.1 Historical financial informati
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The consolidated financial statemen
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20.1.2 CONSOLIDATED STATEMENTS OF I
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20.1.4 CONSOLIDATED STATEMENTS OF C
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Share capital Additional paid-in ca
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SIC 12 Consolidation - Special Purp
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are effective for annual periods be
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fair value less cost to sell and it
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The hedged item may be an asset, a
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(K) SHARE CAPITAL AND SHAREHOLDERS
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(c) Contracts not meeting risk tran
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Other long-term benefits In some co
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The following table sets forth the
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The following tables set forth the
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Provisional and final fair value of
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The main assumptions included in th
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Assets and liabilities sold were as
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GOODWILL Goodwill, which represents
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The additions to tangible assets in
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therefore assessed against the fair
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(C) REAL ESTATE INVESTMENTS The pro
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(b) Maturity - fixed income securit
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In 2012, the decrease of EUR 337 mi
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OTHER Forward currency contracts SC
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20.1.6.12 NOTE 12 - CASH AND CASH E
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In 2010 the movements were due to t
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It should be noted that regulatory
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Libor rate plus (i) 0.80% for the f
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20.1.6.15 NOTE 15 - CONTINGENCY RES
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In EUR million 2002 2003 2004 2005
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(A) GUARANTEED MINIMUM DEATH BENEFI
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DEFINED BENEFIT PLANS An employer
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The following schedule reconciles t
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Stock option plans The Group grants
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Free share plans The Group also awa
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20.1.6.19 NOTE 19 - INCOME TAXES IN
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DEFERRED TAX Deferred tax assets an
- Page 263 and 264:
20.1.6.20 NOTE 20 - INVESTMENT INCO
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20.1.6.24 NOTE 24 - RELATED PARTY T
- Page 267 and 268:
The subsidiaries which benefitted f
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2012 Percentage 2011 Percentage Con
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20.1.6.26 NOTE 26 - INSURANCE AND F
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mainly the significant concentratio
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(e) Risks linked to collateral requ
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INTERDEPENDENCE OF THE NON-LIFE AND
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(d) Receivables from non-(re)insura
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(l) Aging of financial assets The f
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MARKET RISK Market risk is the risk
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SCOR’s exposure to the equity mar
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20.1.6.27 NOTE 27 - LITIGATION Conv
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• The notes 1- “(G) real estate
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291 ADDITIONAL INFORMATION
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21 ADDITIONAL INFORMATION 21.1 Shar
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Number of shares authorized for con
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Except for the delegation granted p
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21.1.4 AMOUNT OF CONVERTIBLE SECURI
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21.2 Charter and Bylaws 21.2.1 CORP
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determination of the portion, if an
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the annual accounts and the declara
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identification process that safegua
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309 MATERIAL CONTRACTS
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311 THIRD-PARTY INFORMATION AND STA
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23 THIRD-PARTY INFORMATION AND STAT
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24 DOCUMENTS ON DISPLAY Throughout
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25 INFORMATION ON HOLDINGS As conce
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26 NON FINANCIAL INFORMATION Not ap
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27 FEES PAID BY THE GROUP TO THE AU
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28.1 Information published on the A
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28.3 Information published on SCOR
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28.4 Information published on NYSE-
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329 APPENDIX A: UNCONSOLIDATED CORP
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APPENDIX A: UNCONSOLIDATED FINANCIA
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1.2.2 BALANCE SHEET - LIABILITIES I
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In EUR million UNDERWRITING ACCOUNT
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1.4 Off-balance sheet commitments R
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1.2.4 Other assets An impairment pr
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1.10 TRANSACTIONS CONDUCTED IN FORE
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2.2 SCHEDULE OF INVESTMENTS Net boo
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NOTE 3 - OTHER ASSETS 3.1 TANGIBLE
- Page 347 and 348:
2012 2011 In EUR million Related co
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NOTE 5 - SHAREHOLDERS’ EQUITY The
- Page 351 and 352:
NOTE 9 - ANALYSIS OF INVESTMENT INC
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NOTE 12 - STOCK-OPTIONS The table b
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NOTE 13 - EMPLOYEE SHARE-OWNERSHIP
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15.1.2.2 Letters of credit given In
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1.6 Certification of audit of histo
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1.7 Reconciliation of French GAAP t
- Page 363 and 364:
I II III Terms and conditions for p
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(B) COMPOSITION OF THE BOARD OF DIR
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Criteria 1 2 3 4 5 6 7 8 Independen
- Page 369 and 370:
The following table displays the at
- Page 371 and 372:
and liabilities and capital allocat
- Page 373 and 374:
In the event of termination of the
- Page 375 and 376:
II. Internal control and risk manag
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377 Group Internal Control System:
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consistent group wide ICS approach
- Page 381 and 382:
The control activities described be
- Page 383 and 384:
• SCOR has outsourced the asset m
- Page 385 and 386:
of control already exists in Omega.
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III. Statutory auditors’ report,
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389 APPENDIX C: GLOSSARY
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CAPITAL (CONTINGENT) Funds that wou
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G GOODWILL Goodwill comprises the r
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PROBABLE MAXIMUM LOSS (“PML”) T
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product is one where ultimate losse
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399 APPENDIX D: MANAGEMENT REPORT
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APPENDIX D: TO THE REGISTRATION DOC
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2 FLUCTUATION OF SCOR SE QUOTATION
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3.2.5 Distribution by type of contr
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Description of the main schemes of
- Page 409 and 410:
3.3.2 Social relations 3 European C
- Page 411 and 412:
3.3.5 Diversity and equal opportuni
- Page 413 and 414:
4 ENVIRONMENTAL IMPACT OF SCOR’S
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With regards to the source of emiss
- Page 417 and 418:
Most of the energy consumed in the
- Page 419 and 420:
5 INFORMATION RELATED TO SOCIETAL C
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• Support for the arts and for cu
- Page 423 and 424:
6 ADDITIONAL INFORMATION RELATING T
- Page 425 and 426:
We performed the following work des
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APPENDIX E: CROSS REFERENCE TABLE -