Key figures


  • 24.3 billion Euros in gross written premiums
  • 170 billion Euros assets under management
  • 2 billion Euros Net Banking Income
  • 1 billion Euros Pre-Tax net profit


"A dynamic, balanced and diversified business model"


Two core businesses: savings and protection


BNP Paribas Cardif markets savings solutions that allow customers to accumulate and grow capital or prepare for retirement, including guaranteed capital, multi-fund or unit-linked products.


In addition to creditor insurance, where it is a global leader, BNP Paribas Cardif has expanded its range of protection insurance solutions with health insurance, budget, income, payment card and property protection, extended warranties, individual, property & casualty and assistance and more.

Three distribution channels

Retail Banking Channel

The Retail Banking Channel oversees distribution of products via BNP Paribas retail banking networks. It works with BNP Paribas Retail Banking and Private Banking in France, BNL in Italy, BNP Paribas Fortis in Belgium, Luxembourg and Poland, TEB in Turkey and UkrSibbank in Ukraine. The Retail Banking Channel accounts for 80% of BNP Paribas Cardif savings assets gathered.

Partnerships Channel

BNP Paribas Cardif aims to be the global standard of excellence for insurance partnerships. It works with leading distribution partners around the world, including banks, consumer credit firms, financing subsidiaries of automobile manufacturers and retail chains. The Partnerships Channel is enjoying robust growth and currently accounts for 68% of protection assets gathered.

Digital & Brokers Channel

This channel consolidates the digital expertise of BNP Paribas Cardif-an essential component in its partners' distribution strategies-as well as business with insurance brokers. This is a strategic segment in Belgium, the Netherlands and the United Kingdom.

BNP Paribas Cardif obtained the agreement to develop Protection in Bulgaria in December 2006.