CNP Assurances - Investor Presentation

CREDIT RATIOS DEBT-TO-EQUITY RATIO (IFRS) (1) (%) CNP Assurances - Investor Presentation - March 2020 INTEREST COVER (2) 9.3 x 9.0 x 9.1 x 30.0 7.8 x 29.4 29.1 29.0 7.3 x 27.9 364 312 321 322 327 248 192 247 248 251 120 116 74 73 76 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 (1) Debt-to-equity ratio (IFRS) = Debt/(Equity + Debt) (2) EBIT/Interest on subordinated notes Finance costs on subordinated notes classified in debt Finance costs on subordinated notes classified in equity Interest cover 39

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