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presented by October France



24 months


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Puteaux, France




*Warning: Transparency statement: Indirect shareholding relationships exist between Allianz and October since Allianz is also a shareholder of October. However, given the proportion of its shareholders, the absence of a corporate office within October and the absence of reporting relationships, there is no conflict of interest.

Presentation of the company

Founded in 1890, Allianz is one of the world’s leading insurance and asset management companies. Headquartered in Munich, Germany, the group, currently led by Olivier Bäte, has more than 144,000 employees and serves nearly 88 million customers in 70 countries.

The Allianz group’s shares are listed on the Frankfurt Stock Exchange.

As a general insurance company specialising in wealth and social protection, Allianz France relies on the wealth of its expertise and the dynamism of its 9,000 employees in France. Nearly 7,000 commercial intermediaries, Agents, Advisors, Brokers, Partners advise and support 5.5 million customers who trust Allianz France. In France, Allianz generated revenues of €12.88 billion in 2017. 

Project Description

Allianz France wishes to borrow €100,000 over 24 months as part of the Grow Together operation. For Allianz, this is a communication project that will be carried out as part of the operation.

Thanks to Grow Together, 11 major groups will lead the way in diversifying sources of financing for SMEs by borrowing on a lending platform.

Large groups are used to borrowing outside the banking system and diversifying their sources of funding. They have simple and easy access to credit.

In October 2014, a new regulation opening a breach in the banking monopoly allowed SMEs to borrow directly from individuals and institutions, in addition to their banks. Small and medium-sized companies can now do as big as large ones.

AccorHotels, The Adecco Group, Allianz France, Arkéa, Edenred, ENGIE, Iliad, JC Decaux, SUEZ, Unibail-Rodamco-Westfield and Webhelp are joining the transaction and showing their VSE/SME ecosystem that they can now finance themselves differently, thanks to lending platforms.

These 11 major sponsors, each borrowing €100,000 from October, give their VSE/SME partners the right to borrow up to €1,000,000 each, without any administrative costs.

This project, which is part of the Grow Together operation, is only available to individual investors on the platform. Unlike all the other projects presented on the platform, institutional investors and October’s management cannot lend on the projects of this campaign. 

Analyst’s Opinion

The borrower, Allianz I.A.R.D. is a subsidiary of Allianz Group. The financial analysis was carried out on the consolidated financial statements, which reflect the Group’s performance.

The borrower has an excellent financial structure and an excellent liquidity ratio: The Allianz Group is subject to the prudential rules relating to insurance companies. The group complies with regulations and has a solvency ratio of 229% in 2017.

The analysis of the project leads to a credit rating of A+ and an annual interest rate of 2.50%.

Strong points:

  • Good performance with 88 million customers worldwide
  • Excellent financial structure
  • One of the world’s leading insurance and asset management companies.

Points of vigilance:

  • Systemic risk