##### 



Exhibit 12

CERTIFICATION PURSUANT TO SECTION
906

OF THE SARBANES-OXLEY ACT OF 2002


I, Denis Kessler, Chairman and Chief Executive
Officer of SCOR (the Company), certify, pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
(18 U.S.C. Section 1350), that to the best of my
knowledge:



|    |                                                                                                                                                                                                                                             
|--- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(1) | the Annual Report on Form 20-F of the
    Company for the year ended December 31, 2002 (the
    Report) fully complies with the requirements of
    Section 13(a) or 15(d), as applicable, of the Securities
    Exchange Act of 1934; and
|   
|(2) | the information contained in the Report fairly
    presents, in all material respects, the financial condition and
    results of operations of the Company.                                                                                

The foregoing certification is being furnished
solely pursuant to Section 906 of the Sarbanes-Oxley Act of
2002 (18 U.S.C. Section 1350) and is not being filed as
part of the Report or as a separate disclosure document.



| |     |                  
| | --- | -----------------
| | By: | /s/ DENIS KESSLER

| |                                            
| | -------------------------------------------
| |                                            
| | Name: Denis Kessler                        
| | Title: Chairman and Chief Executive Officer

Dated: June 27, 2003


E-8



---



##### 



CERTIFICATION PURSUANT TO SECTION
906

OF THE SARBANES-OXLEY ACT OF 2002


I, François Terren, Chief Financial Officer
of SCOR (the Company), certify, pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
(18 U.S.C. Section 1350), that to the best of my
knowledge:



|    |                                                                                                                                                                                                                                             
|--- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(1) | the Annual Report on Form 20-F of the
    Company for the year ended December 31, 2002 (the
    Report) fully complies with the requirements of
    Section 13(a) or 15(d), as applicable, of the Securities
    Exchange Act of 1934; and
|   
|(2) | the information contained in the Report fairly
    presents, in all material respects, the financial condition and
    results of operations of the Company.                                                                                

The foregoing certification is being furnished
solely pursuant to Section 906 of the Sarbanes-Oxley Act of
2002 (18 U.S.C. Section 1350) and is not being filed
as part of the Report or as a separate disclosure document.



| |     |                    
| | --- | -------------------
| | By: | /s/ FRANÇOIS TERREN

| |                               
| | ------------------------------
| |                               
| | Name: François Terren         
| | Title: Chief Financial Officer

Dated: June 27, 2003


E-9