AXA SA (AXA:CA) Q3 2025 Sales Call October 31, 2025 4:00 AM EDT
Company Participants
Anu Venkataraman – Group Chief Strategy Officer & Head of Investor Relations
Alban Nesle – Group Chief Financial Officer
Conference Call Participants
David Barma – BofA Securities, Research Division
Michael Huttner – Joh. Berenberg, Gossler & Co. KG, Research Division
Andrew Baker – Goldman Sachs Group, Inc., Research Division
Thomas Bateman – Mediobanca – Banca di credito finanziario S.p.A., Research Division
Farooq Hanif – JPMorgan Chase & Co, Research Division
Andrew Crean – Bernstein Autonomous LLP
Dominic O”mahony – BNP Paribas, Research Division
Presentation
Anu Venkataraman
Group Chief Strategy Officer & Head of Investor Relations
Good morning, and thank you for joining AXA’s 9 Month 2025 Activity Indicators Call. Our Group CFO, Alban de Mailly Nesle, will walk through the highlights from the press release that we published last night, after which we’ll be ready to take your questions.
With that, I turn it over to Alban.
Alban Nesle
Group Chief Financial Officer
Thank you, Anu and good morning to all of you. Thank you for joining the call today. So let me start with the key highlights of — on 9 months ’25. Overall, we delivered a solid performance with total revenues increasing by 7% to EUR 89 billion. This reflects the strength of our franchise, which, as you know, is well diversified by line of business with 60% in P&C and 40% in Life & Health and is also balanced between B2B and B2C. All our geographies are delivering a consistent execution of our organic growth strategy, which is one of the key levers of our current plan. We continue to operate at a high level of capital with a Solvency II ratio at 222%. In the quarter, the group’s financial strength was further affirmed by the decision from Moody’s to upgrade its ratings from Aa3 to Aa2.
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