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2023 SFCR Report
the IGR. The liability portfolio performed overall in line with expectations. The collective surrender phenomenon observed in collective life (Integrale portfolio) was less visible in 2023 with collective departure concentrated on a few names and

2025 SFCR Report
expectations. Although pressure remains high on corporate business, the collective surrender phenomenon, observed in the post Integrale acquisition, or collective reduction phenomenon, due to rising interest rates, was limited and concentrated on a few names