Exhibit 12 (a)


CERTIFICATION PURSUANT TO

SECTION 302 OF THE SARBANES OXLEY ACT OF 2002

I, Henri de Castries, Chief Executive Officer of AXA, certify that:

|1. | I have reviewed this Annual Report on Form 20-F
      of AXA (the Registrant);                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
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|2. | Based on my knowledge, this report does not contain
      any untrue statement of a material fact or omit to state a material fact
      necessary in order to make the statements made, in light of the circumstances
      under which such statements were made, not misleading with respect to the
      periods covered by this report;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|3. | Based on my knowledge, the financial statements,
      and other financial information included in this report, fairly present
      in all material respects the financial condition, results of operations
      and cash flows of the Registrant as of, and for, the periods presented in
      this report;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|4. | The Registrants other certifying officers
      and I are responsible for establishing and maintaining disclosure controls
      and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e))
      for the Registrant and we have:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|   | designed such disclosure controls and procedures, or caused such disclosure
          controls and procedures to be designed under our supervision, to ensure
          that material information relating to the Registrant, including its
          consolidated subsidiaries, is made known to us by others within those
          entities, particularly during the period in which this report is being
          prepared;
        evaluated the effectiveness of the Registrants disclosure controls
          and procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and
        disclosed in this report any change in the Registrants internal
          control over financial reporting that occurred during the period covered
          by this annual report that has materially affected, or is reasonably
          likely to materially affect, the Registrants internal control
          over financial reporting; and
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|5. | The Registrants other certifying officers
      and I have disclosed, based on our most recent evaluation of internal control
      over financial reporting, to the Registrants auditors and to the audit
      committee of the Registrants board of directors (or persons performing
      the equivalent functions):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|   | all significant deficiencies and material weaknesses in the design
          or operation of internal control over financial reporting which are
          reasonably likely to adversely affect the Registrant's ability to record,
          process, summarize and report financial information; and
        any fraud, whether or not material, that involves management or other
          employees who have a significant role in the Registrant's internal control
          over financial reporting.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
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| | /s/ | Henri de Castries
        Chief Executive Officer 
        June 21, 2005
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Exhibit 12 (b)

CERTIFICATION PURSUANT TO

SECTION 302 OF THE SARBANES OXLEY ACT OF 2002

I, Denis Duverne, Chief Financial Officer and a Member of the Management Board
  of AXA, certify that:

|1. | I have reviewed this Annual Report on Form 20-F
      of AXA (the Registrant);                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|2. | Based on my knowledge, this report does not contain
      any untrue statement of a material fact or omit to state a material fact
      necessary in order to make the statements made, in light of the circumstances
      under which such statements were made, not misleading with respect to the
      periods covered by this report;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|3. | Based on my knowledge, the financial statements,
      and other financial information included in this report, fairly present
      in all material respects the financial condition, results of operations
      and cash flows of the Registrant as of, and for, the periods presented in
      this report;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|4. | The Registrants other certifying officers
      and I are responsible for establishing and maintaining disclosure controls
      and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e))
      for the Registrant and we have:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|   | designed such disclosure controls and procedures, or caused such disclosure
          controls and procedures to be designed under our supervision, to ensure
          that material information relating to the Registrant, including its
          consolidated subsidiaries, is made known to us by others within those
          entities, particularly during the period in which this report is being
          prepared;
        evaluated the effectiveness of the Registrants disclosure controls
          and procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and
        disclosed in this report any change in the Registrants internal
          control ov er financial reporting that occurred during the period covered
          by this annual report that has materially affected, or is reasonably
          likely to materially affect, the Registrants internal control
          over financial reporting; and
|  
|  
|5. | The Registrants other certif ying officers
      and I have disclosed, based on our most recent evaluation of internal control
      over financial reporting, to the Registrants auditors and to the audit
      committee of the Registrants board of directors (or persons performing
      the equivalent functions):                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|   | all significant deficiencies and material weaknesses in the design
          or operation of internal control over financial reporting which are
          reasonably likely to adversely affect the Registrant's ability to record,
          process, summarize and report financial information; and
        any fraud, whether or not material, that involves management or other
          employees who have a significant role in the Registrant's internal control
          over financial reporting.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|  



| | /s/ | Denis Duverne 
      Chief Financial Officer 
      Member of the Management Board
      June 21, 2005
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