1、Reference:XXXXXXXXXXXXXXAXA-Document de Rfrence-Annual Report 2008Document de RfrenceAnnual Report 2008Table of contentsPART I CERTAIN PRELIMINARY INFORMATION ABOUT THIS ANNUAL REPORT1.1 Presentation of Information 1.2 Exchange Rate Information 1.3 Cautionary Statements concerning the use of non-GAA
2、P measures and forward-looking statements PART II THE AXA GROUP:OUR GLOBAL BUSINESS OPERATIONS,RECENT FINANCIALPERFORMANCE AND FINANCIAL CONDITION2.1 Selected Consolidated Financial Data 2.2 Information on the Company 2.3 Activity Report 2.4 Liquidity and Capital resourcesPART III CORPORATE GOVERNAN
3、CE,EXECUTIVE COMPENSATION,MAJOR SHAREHOLDERS AND RELATED MATTERS3.1 Directors,Senior Management and Employees 3.2 Full disclosure on executive compensation and share ownership 3.3 Description of the Companys share repurchase program 3.4 Major Shareholders and Related Party Transactions3.5 The Offer
4、and Listing PART IV RISK FACTORS,CERTAIN DISCLOSURES ABOUT MARKET RISK AND RELATED MATTERS4.1 Risk Factors 4.2 Quantitative and Qualitative Disclosures About Market Risk and Risk factors 4.3 Certain Financial Information PART V CONSOLIDATED FINANCIAL STATEMENTSPART VI CERTAIN ADDITIONAL INFORMATIONA
5、PPENDICES1124947111118141179181188192206 2280103117191229415431Pursuant to article 212-13 of the AMF General Regulations,this Annual Report has been filed with the AMF on March 26,2009 and may,as a consequence,be used in connection with a financial transaction provided it is accompanied by a prospec
6、tus registered with the AMF.This is a free translation into English of the French Annual Report filed with the Autorit des marchs financiers(AMF)and which is provided solely for the convenience of English readers.Analysts and Institutional InvestorsIn Paris,AXA GroupFinancial Communication Departmen