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'''regions''' ▸ ❙ {{Inline expand |Europe ▸|{{read|[[France]]}} {{read|[[Germany]]}} {{read|[[Switzerland]]}} {{read|[[Luxembourg]]}} {{read|[[Italy]]}} {{read|[[Spain]]}} {{read|[[UK]]}} {{read|[[Ireland]]}} {{read|[[Turkey]]}} }} ❙ {{Inline expand |AXA XL ▸|{{read|[[XL Bermuda]]}} {{read|[[XL Reinsurance]]}} {{read|[[XL America]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |Asia ▸|{{read|[[Japan]]}} {{read|[[Hong Kong]]}} {{read|[[China]]}} {{read|[[Indonesia]]}} {{read|[[Thailand]]}} {{read|[[Philippines]]}} {{read|[[South Korea]]}} }} ❙ {{Inline expand |Latin America ▸|{{read|[[Brazil]]}} {{read|[[Colombia]]}} {{read|[[Mexico]]}} }} ❙ {{Inline expand |transversals ▸|{{read|[[AXA Partners]]}} {{read|[[AXA GO]]}} }} ❙ |
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'''regions''' ▸ ❙ {{Inline expand |Europe ▸|{{read|[[France]]}} {{read|[[Germany]]}} {{read|[[Switzerland]]}} {{read|[[Luxembourg]]}} {{read|[[Italy]]}} {{read|[[Spain]]}} {{read|[[UK]]}} {{read|[[Ireland]]}} {{read|[[Turkey]]}} }} ❙ {{Inline expand |AXA XL ▸|{{read|[[XL Bermuda]]}} {{read|[[XL Reinsurance]]}} {{read|[[XL America]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |Asia ▸|{{read|[[Japan]]}} {{read|[[Hong Kong]]}} {{read|[[China]]}} {{read|[[Indonesia]]}} {{read|[[Thailand]]}} {{read|[[Philippines]]}} {{read|[[South Korea]]}} }} ❙ {{Inline expand |Latin America ▸|{{read|[[Brazil]]}} {{read|[[Colombia]]}} {{read|[[Mexico]]}} }} ❙ {{Inline expand |transversals ▸|{{read|[[AXA Partners]]}} {{read|[[AXA GO]]}} }} ❙ |
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'''results''' ▸ ❙ {{Inline expand |press release ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |analyst presentation ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |financial supplements ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |activity report ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |annual report ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ {{Inline expand |SFCR ▸|{{read|[[2025]]}} {{read|[[2024]]}} {{read|[[2023]]}} {{read|[[see all ▸]]|type=gray}} }} ❙ |
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A good CEO is not a micromanager but a 'Chief Excitement Officer' or 'Engagement Officer'
~*~
AXA fundamentals
Insurance fundamentals
fundamentals ▸ ❙
risk basics ▸
Frequency vs severity
Hazard, exposure, peril, loss
Correlation and aggregation ❙
how insurance works ▸
Pooling and risk transfer
Indemnity vs benefits
Premium now, claims later ❙
incentives & frictions ▸
Adverse selection
Moral hazard
Information asymmetry ❙
industry structure ▸
Insurers, mutuals, captives
Brokers, MGAs, TPAs
Reinsurers and retro ❙
policy essentials ▸
Insurable interest, good faith
Coverage, exclusions, conditions
Limits and deductibles ❙
core metrics ▸
Loss/expense/combined ratio
Persistency and lapse
Acquisition economics ❙
time value ▸
Discounting
Trend and social inflation
Duration risk ❙
Cat & systemic ▸
Nat Cat accumulation
Pandemic risk
Cyber contagion ❙
role & trust ▸
Protection and resilience
Fairness and inclusion
Conduct and transparency ❙
products ▸ ❙
life ▸
Term, whole, UL
Mortality and lapse
Riders ❙
health ▸
Medical vs income protection
Group vs individual
Utilization levers ❙
annuities ▸
Immediate vs deferred
Guarantees
Longevity risk ❙
group benefits ▸
Plan design
Experience rating
Renewals ❙
personal lines ▸
Motor and home
Rating factors
Claims inflation ❙
commercial lines ▸
Property and liability
Limits and towers
Risk engineering ❙
specialty ▸
Marine/aviation/energy
Financial lines
Parametric ❙
U/W governance ▸
Appetite and authority
Quote to bind
Portfolio steering ❙
lifecycle ▸
Design and pricing
Wording and filings
Monitoring and remediation ❙
policy admin ▸
Issuance and endorsements
Billing
Retention ❙
distribution & ops ▸ ❙
channels ▸
Agent/broker/bank
Direct and digital
Embedded and partners ❙
sales & advice ▸
Needs and suitability
Tools and disclosures
Conversion levers ❙
intermediary econ ▸
Commissions and clawbacks
Conflicts control
Delegated authority ❙
onboarding ▸
KYC/AML basics
Fraud screening
Consent and privacy ❙
U/W ops ▸
STP vs manual
Evidence management
QA and audits ❙
claims ops ▸
FNOL and triage
Settlement and leakage
Litigation and recovery ❙
fraud mgmt ▸
Detection and SIU
Provider fraud
Recoveries ❙
service model ▸
Shared services
Outsourcing risk
SLAs and outcomes ❙
tech & data ▸
PAS/claims/billing
CRM and omni-channel
Platforms and APIs ❙
productivity ▸
Cost-to-serve
Automation
Ops KPIs ❙
finance & actuarial ▸ ❙
pricing ▸
Expected loss and margin
Credibility
Price adequacy ❙
reserving ▸
Case vs IBNR
Triangles and diagnostics
Reserve risk ❙
life liabilities ▸
Assumptions and margins
Options and behavior
New business strain ❙
reinsurance ▸
Proportional vs non-prop
Retentions and limits
Credit and collateral ❙
ALM ▸
Portfolio basics
Duration and liquidity
Credit risk ❙
performance ▸
Underwriting result
Operating vs net income
Key ratios ❙
accounting ▸
IFRS 17
IFRS 9
Statutory bases ❙
solvency ▸
Available vs required
Economic capital
Stress tests ❙
steering ▸
Growth vs value
Re-pricing actions
Scenario planning ❙
model gov ▸
Assumption control
Validation
Data governance ❙
regulation & gov ▸ ❙
purpose ▸
Protection
Stability
Integrity ❙
prudential ▸
Solvency II / RBC
ORSA
Supervisory reporting ❙
conduct ▸
Product governance
Claims standards
Fair value ❙
supervision ▸
Entity structures
Intra-group flows
Recovery and resolution ❙
gov model ▸
Board oversight
Three lines
Internal audit ❙
compliance ▸
AML/CTF
Sanctions
Third-party risk ❙
tax ▸
Premium taxes
Deferred tax
Cross-border issues ❙
ESG ▸
Underwriting and investment
Disclosures
Transition risk ❙
resilience ▸
Cyber security
Operational resilience
Data privacy ❙
emerging ▸
Cyber and systemic
Insurtech and embedded
Alternative capital ❙
Competitors
Case studies
Skill development books