Building on a philanthropy partnership initiated in 2023, BNP Paribas Cardif supports the Institut Imagine, the leading European centre for genetic disease research, education and care, located on the campus of the Necker-Enfants Malades children’s hospital in Paris. This partnership is designed to support medical research to increase the number of patients who are diagnosed and treated. The project encompasses support for research to accelerate medical innovation, as well as support for the Institute’s teams and promotion to help extend its impact.

Accelerating therapeutic discoveries and helping researchers advance with their projects 

Rare diseases affect nearly three million people in France, and 80% of the cases are genetic in origin[1]. These diseases represent a major public health challenge. Given their complexity and diversity, it is essential to deploy active support for innovation designed to transform scientific breakthroughs into concrete solutions for patients and families. Structuring projects thus plays a decisive role in driving the transition from laboratory to real-world applications. To address this need, BNP Paribas Cardif supports the Institut Imagine’s Springboard program, an accelerator focused on high-potential projects. In addition to financial support, the insurer works with project sponsors to help consolidate their strategy, anticipate key development milestones and prepare a framework for the launch of innovative startups. These startups spearhead the transformation of research advances into concrete solutions that benefit patients.

BNP Paribas Cardif for example took part in funding for VISIONERVES and in the creation of its dedicated startup Replico. This AI-augmented medical imaging solution, which stems from the research work of Professor Sabine Sarnacki, automatically generates a 3D “digital twin” of the patient and enables precise visualization of nerve structures. The tool aims to facilitate the preparation of surgical procedures and improve care for children who undergo surgery[2]. The insurer also supported the development of AIDY, an AI-based app for diagnosing genetic diseases using patient facial photos, the result of a collaborative research project led by Doctor Nicolas Garcelon and Doctor Hossein Khonsari. In addition, the partnership led to funding for the startup EpiCure Biotechnologies, built on research by Doctor Laurence Legeai-Mallet centred on therapeutic innovation for bone diseases. In addition to its involvement in Springboard, BNP Paribas Cardif provides support for other medical research projects, in particular related to chronic inflammatory bowel diseases (IBD).   

[1] Source: French Ministry of Health and Prevention

[2] Winner of the 2023 Prix Galien award for pharmaceutical research and innovation

Supporting teams to broaden the impact of the Institut Imagine

Alongside its financial support, BNP Paribas Cardif works directly with Institut Imagine teams to help them manage and promote their projects. Staff from the company have shared their expertise with several startups incubated by the Institute to sharpen investor pitches, promote projects and raise funds. By regularly leveraging networking opportunities across its ecosystem, BNP Paribas Cardif also helps boost awareness of genetic diseases among partners, clients and staff, promoting the important role played by the Institut Imagine. These efforts are essential to heightening the Institute’s visibility.

“As a responsible insurer, we take great pride in supporting these research initiatives to improve the diagnosis and treatment of genetic diseases, and we are delighted to see the first startups emerge and ramp up to market solutions created thanks to this backing. In addition to projects incubated as part of the Springboard program, we also support Institut Imagine research on specific pathologies, enabling us to continually make insurance more accessible. We believe it is essential to make our insurance offers even more inclusive by taking medical advances into account,” says Nathalie Doré, Chief Impact and Innovation Officer,
BNP Paribas Cardif.

“BNP Paribas Cardif is much more than a patron for Institut Imagine, they are a strategic partner whose long-term commitment is decisive for the future of genetic disease research. A partnership such as this is absolutely essential in our field because it allows us to make progress we could not achieve alone. Thanks to their unwavering support for several years already, we have been able to transform our discoveries into real-world therapeutic innovations, notably through our Springboard accelerator and the creation of deeptech startups. This alliance has given us the resources to significantly accelerate our impact for millions of families who are waiting for solutions,” states Bana Jabri, Director of Institut Imagine.

Emmanuel Gendreau has been appointed Director of BNP Paribas Epargne & Retraite Entreprises, effective from 5 January 2026. He succeeds Nicolas Villet, who has been appointed Director of the EMEA (Europe, Middle East, Africa) region at BNP Paribas Cardif. Emmanuel Gendreau joins the executive committee of BNP Paribas Cardif France and will report to Charlotte Chevalier, Deputy Chief Executive Officer of BNP Paribas Cardif Head of France and Luxembourg.

BNP Paribas Epargne & Retraite Entreprises is the entity specialising in corporate savings solutions (employee savings and collective retirement savings), co-managed by
BNP Paribas Asset Management for financial management, and BNP Paribas Cardif for insurance activities. At the end of 2024, the company managed
€30.2 billion in assets for 26,000 businesses and for 1.6 million savers.

Our new video series, Inside The Action, shines a spotlight on key initiatives led by
BNP Paribas Cardif employees in France and internationally.

We give a voice to those who embody the values of commitment and innovation in their daily work at BNP Paribas Cardif. Each episode delves into the heart of these collective achievements and highlights those who actively contribute to the company’s ongoing transformation.”

In this second episode, Jérôme Sarrail, Analytics Manager at BNP Paribas Cardif, and Martin Nash, Chief Data & Analytics Officer at BNP Paribas Cardif in Germany, explain how artificial intelligence can enhance customer experience through in-depth analysis of telephone conversations with customers. It is a valuable tool for our sales teams.

Our “Call Analyzer” solution, entirely developed in-house, was first deployed in Peru and Colombia in 2024, and is now live in Germany. This is a powerful tool that allows us to detect client needs and optimise the commercial discourse of our internal teams.

Jérôme and Martin present the solution in the following video as well as the next developments of this project.

Each year, BNP Paribas Cardif’s Innovation team carries out a massive sourcing campaign across all BNP Paribas Cardif regions & domestic markets to identify projects that are ready for public communication that could be candidates for Innovation Ambassadors. The ultimate goal of this program is to reward outstanding teams, spread innovation culture and increase our company’s efficiency through re-use.

This year, we received 102 proposals from 24 entities across BNP Paribas Cardif worldwide, which is a testament to the strength and diversity of our innovation culture.

From these, 19 initiatives were nominated in July. After careful evaluation, our grand jury composed of Stanislas Chevalet, Nathalie Doré, Christelle Pailles, Vivien Berbigier, and Michael De Toldi, selected 5 outstanding initiatives as this year’s Innovation Ambassadors.

What’s new this year?

This year, winners were chosen according to categories that reflect our company’s value proposition and strategic priorities:

The initiatives selected this year are truly exceptional and showcase the transformative power of innovation at BNP Paribas Cardif. They illustrate how forward-thinking solutions can:

• Drive growth and scale to new markets
• Harness the potential of AI in diverse ways
• Make insurance more accessible according to our mission

Stay tuned to learn more about each of our 5 Innovation Ambassador initiatives in the coming months.

Actuaries are central to BNP Paribas Cardif’s value proposition. These “insurance engineers” contribute across the entire value chain: from product development to risk selection and profitability assessment.

With key technical skills, actuaries are well-positioned to leverage the opportunities offered by artificial intelligence, while remaining aware of its limitations and associated risks. Data is at the heart of everything we do in actuarial science at BNP Paribas Cardif. It fuels our decisions, improves customer experience, and stimulates innovation.

The DaaS (Data as a Service) initiative defines best practices for data management in actuarial work across Protection and Property & Casualty. It has significantly reduced the implementation time for machine learning models from 5 months to just 1 week.

Explore a real-world example of collaboration between the corporate Actuarial Analytics team and the actuarial team in BNP Paribas Cardif in Turkey with Anat CHEFNER – Head of Actuarial Analytics, BNP Paribas Cardif.

Discover in this video, the shared strategic vision of the Executive Committee members:

• Charlotte Chevalier – Chief Executive Officer of EMEA, BNP Paribas Cardif, during this project.
• Vivien Berbigier – Chief Value Proposition Officer, BNP Paribas Cardif
• Cemal Kısımır – CEO, BNP Paribas Cardif in Turkey

Listen to the partner’s perspective shared by Guillaume de Riberolles.

• Charlotte Chevalier has been appointed Deputy Chief Executive Officer, Head of France and Luxembourg,
• Maxime Boyer Chammard has been appointed Chief Operating Officer (COO), Head of Efficiency, Technology & Operations,
• Michael Nguyen has been appointed Chief Executive Officer of Asia,
• Nicolas Villet has been appointed Chief Executive Officer of EMEA (Europe, Middle East, Africa).

Photos are available from the BNP Paribas Cardif press office.

The Innovation Ambassadors program, counting 84 innovative projects submitted from 24 countries worldwide in 2024, shows that innovation can be found everywhere at BNP Paribas Cardif. Discover how BNP Paribas Cardif has optimized business processes with his partners and customers thanks to CardX, an internal Intelligent Document Processing (IDP) solution.

Could you please introduce yourself briefly? 

In my current job, I have several missions; my key role being Product Manager of CardX, our internal Intelligent Document Processing (IDP) solution, which leverages AI technologies to automate the extraction and interpretation of information from documents.

As Product Manager, I am working daily with our data scientists, IT & Data teams, both on the solution-finding aspects, and, especially, on the projects, to deploy greater use cases worldwide. This requires strong partnerships with local teams.

On a personal level, I am a big nature lover and like to spend time outside discovering and observing plant and animal life, as well as doing photography. During my travels I have been fortunate to discover a lot of different animals in their natural habitat.

Tell us about your project: your main focus, what it is, how it came about and what it will bring to BNP Paribas Cardif

CardX is our internal Intelligent Document Processing (IDP) solution. IDP solutions use multiple AI technologies to automate the extraction and interpretation of information from a wide range of document types. For example, our solutions can convert a picture of a document into text, to then extract information from it. The possible use cases are countless, for all kinds of processes: business processes with our partners and customers, as well as internal processes. The implementation of IDP solutions can boost customer and partner satisfaction, as well as internal efficiency.

CardX is part of our Transversal Analytics Solutions, built through a strong partnership between BNP Paribas Cardif Corporate Analytics, IT and Data teams. It features a complete range of functionalities which embed diverse AI expertise and models, and which can be leveraged according to the use case’s needs. Intelligent Document Processing is a complex task, as a one size fits all rigid solution is not the best way to achieve great results and meet business requirements. We chose to build our solution based on open-source AI. Leveraging the best of open-source AI allows us to maintain a state-of-the-art solution, and fuel our Research & Development. Thus, we can make our solution continuously stronger, and swiftly integrate evolving IDP paradigms, a key lever in such a rapidly changing field.

After the deployment of several use cases in claims processes in Latin America and Europe, and in the implementation of internal processes, we are now in a significant scaling phase and expect to double our use cases within a year. And we already have a lot of new use cases lined up in our roadmap!

What did you find most striking/surprising during this project (perhaps you have a joke to tell us)?

Even within an expertise field like Intelligent Document Processing, every use case is different. Of course you can work with some standard approaches, techniques and rituals, but every project has its own challenges, from each of its perspectives: data, data science, IT, business, organizational… It’s definitely part of the challenge, but for me, it’s the most exciting part of all: with every use case we learn, we enrich our toolbox, we brainstorm, we adapt and we sometimes pivot. We constantly evolve and improve!

What advice would you give to employees who also want to innovate?

Some people might think that AI projects are easy and “magical”, but the reality is much more complex: they require precise work, a well-framed project with clear objectives and scope, and well-coordinated collaboration between stakeholders from very different functions and backgrounds.

To meet the challenges, you need to build a strong, transversal team spirit, to trust each other and also, to be curious! Curious to delve into a new field, curious to learn something new every day; and curious to listen to experts!

The insurer BNP Paribas Cardif has purchased an office building located at 8 place de la Bourse and 5-9 rue Feydeau in Paris from a French institutional investor.

The property encompasses two buildings built between 1920 and 1951 to house a telecommunications centre. It has eight floors and approximately 6,500 square metres of floor space. Given the unique architectural features of the building on Place de la Bourse, it is listed as a heritage asset.

The building was completely renovated in 2021 and contains office spaces of between 500 and 800 square metres. In addition, an underground level has parking space for 19 cars, 24 motorcycles, plus a bicycle parking area. It also has approximately 500 square metres of accessible exterior space and is fully leased to several different businesses.

This acquisition enables BNP Paribas Cardif to pursue its investment strategy and diversify assets for its policyholders. The transaction was carried out via the Cardimmo unit-linked real estate investment vehicle managed by BNP Paribas Cardif, and via its pension savings euro fund.

BNP Paribas Cardif was advised by Wargny Katz, Jadero, Opéra Avocats, David Colin (attorney) and Ikory Project Services.

Our new video series, Inside The Action, shines a spotlight on key initiatives led by
BNP Paribas Cardif employees in France and internationally.

We give a voice to those who embody the values of commitment and innovation in their daily work at BNP Paribas Cardif. Each episode delves into the heart of these collective achievements and highlights those who actively contribute to the company’s ongoing transformation.

In this first episode, Florence Duval, Head of Social Action Fund Management at
BNP Paribas Cardif France, reflects on the development of this project, which is now celebrating its second anniversary.

Created in 2023, the Social Action Fund provides exceptional financial assistance to our clients facing vulnerability due to health issues or accidents, regardless of the contractual guarantees.

Florence shares the objectives that guided the creation of the Social Action Fund, as well as the progress made since its launch.

Poissy, 23 September 2025 – Stellantis Financial Services and BNP Paribas Cardif, via their respective subsidiaries, Stellantis Insurance and Icare, announce a new partnership to support the used car business and the Spoticar label across Stellantis Group brands. This collaboration provides an extended range of insurance products and services for retailers and buyers of used cars.

Established in 2019, Spoticar is the Stellantis label for used vehicles including a complete range of warranties and services to foster customer trust and streamline resale processes. Icare is the BNP Paribas Cardif subsidiary specialized in extended warranties and maintenance for motor vehicles. Through this new partnership, drawing on the experience of Stellantis Insurance the insurance subsidiary of Stellantis specialized in motor insurance products, financing and mobility services, the Stellantis Group extends its existing collaboration with the BNP Paribas Group.

The agreement, includes:

• Warranties specific to used cars, including extended warranties, maintenance and dealer warranty.
• New offers for electric vehicles, including battery cover.
• A platform for subscriptions and claims handling.
• Digital tools such as e-training modules, sales support and an integrated partner portal with tools to help prepare and resell vehicles.
• Direct local technical and commercial support to facilitate integration and performance tracking.

The first country to introduce the partnership will be France, which will launch this new offer in early 2026.

“Through this partnership with Icare combined with Spoticar’s experience in the used vehicle market in France, both retailers and customers will benefit a wide range of products and services for the acquisition of a vehicle approved by Spoticar, the label for used vehicles from Stellantis Group brands. These new tools and services are tremendous assets to energize the growth of used car sales and boost the satisfaction of our customers even further.” David Guérin, Chief Executive Officer of Spoticar France

“We are proud to be partnering with Stellantis, a major player in the automotive industry.
BNP Paribas Cardif’s expertise in insurance and the in-depth knowledge Icare has of dealer networks enable us to offer a comprehensive range of solutions that are simple to deploy, ensuring service quality. With this new collaboration, together we’re supporting retailers by enabling them to focus on their customers and on growing their business.”
Cyril Petit, Global Head of Mobility, BNP Paribas Cardif and Chief Executive Officer of Icare.

“This partnership marks an important step in our joint efforts to support used car dealers by enabling them to offer greater value to their customers while simplifying their day-to-day activities. We’re combining our expertise in insurance and services with the Stellantis’ dealer network to provide a solution that is both robust and easy to implement.”
Hélène Bouteleau, Deputy Chief Executive Officer, Stellantis Financial Services France.

This initiative reflects the commitment shared by Stellantis and BNP Paribas Cardif to serving both dealers and customers thanks to high-performance tools, world-class support and a competitive offer in the used car market.