2007 - April

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3.0 Information 3.0 on the company’s activities on the company’s activities Information 3.1. Presentation of the company and the Group 3.1.1. Key dates DATES Events 1988/2007 DATES Events 1988/2007 1988 1990 Creation of APRIL (complementary health, death, accident) Launch of a small and medium-size company group insurance business 1998 Acquisition of CETIM Creation of AXERGY Launch of INTRAPRIL (extranet) APRIL joins the SBF 250 1992 Launch of savings products 1993 First sales force in the field Implementation of NOEMIE for immediate reimbursement of health expenses 1999 Creation of ATELINA Acquisition of GMP Gestion Acquisition of AIPS 1996 1997 Creation of third-party management business, which became Aglaé in 1998 24-hour management Customer Satisfaction Prize ISO 9001 certification IPO (Paris Second Market) on October 23rd Acquisition of AXERIA (formerly CPA Vie) Creation of april.fr web site 2000 Creation of APRIL GROUP (Holding company) Creation of APRIL Spa Creation of APRIL Hispania Services Creation of AVANDIA Creation of ASSURANCIEL Creation of BE SERVICES Acquisition of IPM Acquisition of TMS/ABI Acquisition of CONTACT ASSISTANCE Acquisition of CITM Launch of Travelexpat.com portal 15 Return to the contents section
3.0 Information on the company’s activities DATES Events 1988/2007 DATES Events 1988/2007 DATES Events 1988/2007 2001 2002 2003 2004 Acquisition of IMPACT ASSURANCES Acquisition of L&E AFFLUANCE becomes a subsidiary Cristal Prize for Financial Transparency Creation of APRIL CONSEILS 12-hour management at APRIL Assurances Termination of activities of BE SERVICES and ATELINA Creation of ARRIMANCE (merger of GMP Gestion and CETIM) Acquisition of SFG (SOCIETE FRANÇAISE DE GARANTIE) Acquisition of EUROPASSUR Creation of RESOLUTION in partnership with the MONCEAU Group Disposal of CITM and APRIL HISPANIA SERVICES and activities wound up Acquisition of FG&A Award for best annual report for companies outside the SBF 120 Bruno ROUSSET: Grand Prize for Entrepreneurs APRIL included in the SBF 120 Adoption of an administration structure with an Executive Board and Supervisory Board Acquisition of HAUSSMANN CONSEILS Acquisition of COUCHON Assurances Acquisition of RHODIA Assurances, renamed AXERIA IARD Acquisition of FORUM and CIARE Merger of AGLAE and APRIL Solutions Acquisition of CARDIF’s interest in AXERIA PREVOYANCE Creation of AXERIA INSURANCE COMPANY Ltd, Merger of APRIL ServiceS and FLANDIN FINANCES Disposal of equity holdings in APIC 2005 2006 Acquisition of the remaining share in SFG Acquisition of CGCA and GI2A Acquisition of ASSURANCE JURIDIQUE Acquisition of FRANCE PLAISANCE ASSURANCE Creation of ASSURTIS based on a joint venture with MEDIATIS Acquisition of the remaining shares in RESOLUTION Acquisition of the remaining shares in FG&A Acquisition of COGEALP Acquisition of FEBS AG Creation of AS CONSEILS & AUDIT Acquisition of SASCO Acquisition of SEPCOFI and EAC Creation of HABITANCE based on a joint venture with the Guy HOCQUET network Creation of APRIL GERMANY Acquisition of the remaining shares in FORUM ASSURANCES FLANDIN FINANCES becomes APRIL Courtage Creation of MERLE ASSURANCES and VIVIER ASSURANCES Acquisition of the remaining shares in Assurance Juridique Acquisition of Dierrevi SpA in Italy Acquisition of AVS Acquisition of DOUDET CHARLET Acquisition of Moral Caraïbes Creation of APRIL Iberia, VILLETTE ASSURANCES, APRIL Cover, APRIL Service, APRIL Direct, APRIL Réseau, APRIL International, APRIL Projet, APRIL Partenariats, ISR Courtage, Axeria Vie, APRIL Yacht Broker di Assicurazioni, Solucia Protection Juridique. Acquisition of the remaining shares in EUROPASSUR 2007 Acquisition of AMT Assurances New organization based around the Group’s insurance companies and four business divisions: individual personal protection, corporate (consolidation of group insurance and property and casualty), individual property and casualty, and life and savings. Creation of APRIL Marketing Solutions Creation of APRIL Cover Creation of APRIL North America and acquisition of two brokers in Quebec: ESCAPADE Assurances and Dave Rochon Assurances Inc. APRIL GROUP acquires 38.2% of ASSURDOM Gestion’s share capital New Corporate Governance scheme, with a Board of Directors chaired by Bruno Rousset, who is also CEO Creation of APRIL Corporate Broking Creation of APRIL Santé Creation of Solidaris APRIL GROUP acquires the majority of Assinco’s share capital Creation of APRIL Mediterranean Limited and Axeria Re Limited Creation of Axeria Courtage Creation of APRIL Réunion Merger of CIARE, AVS and DOUDET- CHARLET Creation of APRIL CEE Development Creation of APRIL Assurances Entreprises Creation of APRIL Solutions Entreprises 16 Return to the contents section
Page 1 and 2: T 2007 he Reference document
Page 3 and 4: Contents 01 Main Document Responsib
Page 5 and 6: 1.0 for this reference document and
Page 7 and 8: 2.0 General information on the comp
Page 15: 2.0 General information on the comp
Page 19 and 20: 3.0 Information on the company’s
Page 33 and 34: 4.0 Net 4.0 worth-financial positio
Page 35 and 36: 5.0 Corporate 5.0 Governance Govern
Page 37 and 38: 5.0 Corporate Governance The Invest
Page 39 and 40: 5.0 Corporate Governance APRIL Nort
Page 41 and 42: 5.0 Corporate Governance LA FRANCAI
Page 43 and 44: 5.0 Corporate Governance MADECO A M
Page 45 and 46: 5.0 Corporate Governance Offices (o
Page 47 and 48: 5.0 Corporate Governance Each crite
Page 49 and 50: 6.0 developements and outlook Recen
Page 51 and 52: 1.0 Management report report Manage
Page 53 and 54: 1.0 Management report All of the in
Page 55 and 56: Property Heath and Life and savings
Page 57 and 58: 1.0 Management report Lastly, he wo
Page 59 and 60: 1.0 Management report Interest rate
Page 61 and 62: 1.0 Management report In addition,
Page 63 and 64: 1.0 Management report 10. Employee
Page 65 and 66: 1.0 Management report 2. List of al
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1.0 Management report APRIL Solutio
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1.0 Management report Jean-Yves NOU
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1.0 Management report APRIL MOBILIT
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1.0 Management report Cercle des é
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1.0 Management report Delegations t
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1.0 Management report The term set
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1.0 Management report 18. Elements
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3.0 Chairman 3.0 of the Board of Di
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3.0 Chairman of the Board of Direct
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4.0 Statutory Auditors’ report St
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03 P. financial statements financia
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1.0 APRIL GROUP consolidated financ
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1.0 APRIL GROUP consolidated financ
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2.0 Notes to the consolidated finan
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3.0 Statutory 3.0 report on the con
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04 P. financial statements financia
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1.0 APRIL GROUP statutory financial
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2.0 Highlights Highlights Creation
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3.0 Notes to the statutory financia
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4.0 Statutory Auditors’ general r
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5.0 Special 5.0 Auditors’ report
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5.0 Special Statutory Auditors’ r
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6.0 Combined 6.0 General Shareholde
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6.0 Combined General Shareholders
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7.0 Index 7.0 of headings of headin
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7.0 Index of headings INFORMATIONS
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2007 - April

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