More than four out of five financial advisors (85%) express confidence in their business for the coming 12-month horizon.

• 67% of financial advisors report a year-on-year increase in the number of clients.
• 78% of financial advisors believe their clients are concerned about their investments given the geopolitical and economic situation.
• 58% of financial advisors believe their clients will track the performance of their asset allocations more closely, 57% the diversification and 54% the level of risk over the coming 12 months.
• A third of financial advisors (34%) say they plan to offer more individual pension products.
• A quarter of financial advisors (27%) now regularly employ artificial intelligence (AI) in their work.

BNP Paribas Cardif has released the results of its 19th annual survey of financial advisors. Conducted with Kantar, one of the world’s leading market research agencies, the 2025 survey confirms that financial advisors play a central role in defining investment strategies, with a focus on product diversification and by proposing a range of thematic investment options.

Dynamic, attractive, confident: the profession stays the course in a changing world

The current environment introduces new challenges. A full 78% of financial advisors believe their clients are concerned regarding their investments given evolving geopolitical and economic factors – up 25% since 2024 and a record figure, even compared with levels of concern measured when the Covid pandemic ended. The international geopolitical climate is the primary negative factor impacting business activities, say the financial advisors (72%), 18% more than last year. This is followed by regulatory factors (retail investment strategy requirements were cited by 48% of respondents, and the “Green Industry Law” by 45%), alongside the economic context (47%). At the same time, financial advisors listed AI and the profit-sharing law as elements that create opportunities (54%) and could drive business growth.

Nevertheless, this finding contrasts with the positive mindset among financial advisors and the development of the profession. More than four out of five (85%) financial advisors expressed confidence in the coming 12 months, reflecting the dynamic outlook for the profession, thanks in particular to the growth of their clientele franchise: 67% of financial advisors reported an increase in clients compared with the previous year. Despite economic and geopolitical turbulence, the profession is doing well. Both the confidence of the financial advisors themselves and the confidence their clients have in their expertise continue to rise.

The three fundamentals for financial advisors remain performance, risk management and diversification

Financial advisors believe that economic uncertainties have led clients to seek safer investments (63%) and diversification, both within and outside the framework of life insurance investment vehicles (52%). They believe these expectations will be confirmed in coming months, and over half of them think their clients will want greater diversification, both in their portfolios (57%) and in terms of risk exposure (54%). In line with results from the previous three surveys, however, performance remains a top-of-mind factor, since 58% of financial advisors say their clients will be looking more closely at yield.

This demand for diversification is reflected in the wealth management products and solutions offered by financial advisors within the scope of life insurance vehicles and capitalisation contracts. While 61% of financial advisors plan to take advantage of opportunities related to investments in French and European defence and sovereignty, 56% intend to propose thematic funds (innovation, tech, health, energy, etc.). In addition, financial advisors plan to propose more ETFs (43%), private equity investments (37%), structured products (35%) or discretionary portfolio management products (28% of respondents this year, compared with just 13% in 2024).

In addition to life insurance vehicles, financial advisors have a clear and focused strategy and are addressing current social and economic issues regarding pension planning. Some 59% of financial advisors plan to promote pension savings solutions (34% individual and 25% collective). Half the financial advisors also plan to target protection insurance in their business portfolio within the next two years (29% individual protection and 21% collective protection).

Financial advisors seek to diversify client franchise and target younger population segments

As proven experts in wealth management, financial advisors are well-positioned to adapt to the variety of needs and expectations of their clients. Their top challenge today is to renew and diversify the makeup of their clientele franchise, adding younger profiles in particular (under 45). This segment is seen as a strategic avenue for growth by 90% of the respondents. Nearly half the financial advisors (49%) report that their client base is already becoming younger.

This new younger clientele segment is dynamic and actively engaged, with new habits and behaviours. Some 83% of financial advisors note their independence and high level of digital adoption, 42% say these clients have a higher appetite for risk, and a third (33%) note that they are more financially savvy. Demonstrating their ability to adapt to market shifts and align with these profiles, 42% of financial advisors focus on structured products for this clientele, 34% on ETFs and 26% on private equity.
A third of the financial advisors (31%) now count new socio-professional profiles in their clientele.

Strategic use of AI accompanied by monitoring of regulatory compliance figures among top priorities for financial advisors

Fast-paced changes require financial advisors to continually adapt and learn. For 71% of survey respondents, the primary challenge is ensuring regulatory compliance, ahead of adopting AI (44%) or changing investment solutions to adapt to the economic climate (38%). What’s more, half the financial advisors (52%) say they would be interested first and foremost in training centred on regulatory developments.

Lastly, 54% of financial advisors believe artificial intelligence will have a positive impact on their business, an increase of 14% over last year. A full 56% of financial advisors already use AI – regularly or occasionally – to automate or facilitate certain tasks, up from only 23% in 2024. On the other hand, the use of AI will remain primarily concentrated on automation of repetitive administrative tasks (79%), as well as for monitoring regulatory and compliance issues (67%).

Nearly a third of financial advisors (28%) believe their clients feel that personal contact will remain the cornerstone of the relationship with their advisor, and 64% say that AI will not have any direct impact on their client relationships. The expertise of financial advisors and personal support remain key to the added-value delivered by financial advisors and constitute the very heart of the profession.

The Partner Survey is a biennale survey conducted among BNP Paribas Cardif’s key international partners. Its aim is to gather organised feedback on their satisfaction levels and strengthen their understanding of our value proposition.

Conducted towards more than 230 partners in 30 countries, the survey is based on a structured questionnaire including the Net Promoter Score (NPS), 15 questions covering partnership success, operational efficiency and customer experience, confirming the solidity of our relationship with partners and the robustness of our delivery and process management.

“It is essential to listen to our partners and to ensure they are satisfied on a daily basis. Through this regular survey, we want to enrich our value proposition so that it benefits all our partners, regardless of their sector of activity. This study allows us to better understand the evolution of their needs and those of their customers, in order to be as close as possible to their expectations and thus build solid and lasting partnerships.”

Julien Hautière-Rey, Head of value proposition design

Below is the infographic summarising the key findings from the 2025 edition.

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 simplified and automated the compensation process for customers on sick leave by using Parametric Insurance.

Could you please introduce yourself briefly?  

My mission is to define and implement the vision of these products, in response to user needs and strategic challenges: I build the prioritised functional roadmap and coordinate its implementation hand in hand with the Product Owner, ensuring the delivery of modular and reusable solutions. I love this role at the heart of the action, which offers a wide variety of topics and above all allows me to work directly with great colleagues whose expertise is as sharp as it is diverse. 

On a personal level, a large part of my free time is dedicated to volunteering, and I simply cannot live without music!

On a daily basis, I work closely with Product Managers to support them in implementing products, by providing my team’s IT expertise, deepening requirements, and concretely delivering solutions. The objective is to propose adapted and reusable solutions for Cardif worldwide. The diversity and wealth of the subjects we address is very challenging, that’s the interest of our daily work. Success comes from a reciprocal commitment with Product Managers to build together.

What I enjoy most is discovering and learning new things, very often around technology and science topics — right now, electronics and space.

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

Parametric insurance involves simplifying customer processes and automating procedures by retrieving customer data directly from certified sources, in particular public authorities. 

• Customer benefits: minimum effort, fewer back and forths, faster turnaround.
• BNP Paribas Cardif benefits: less but more reliable data, fewer incomplete or fraudulent files, automated processing.

Here is the use case we deployed for this project: using the FranceConnect system and with the customers’ consent, we retrieved the daily allowance certificates directly via API from Assurance Maladie (the French public health insurance provider) to speed up compensation for our customers on sick leave. Over 10,000 simplified customer claims since July 2023! 

Since May 2024, automated robot processing has been implemented for customers whose sick leave has been extended, enabling their cover to be confirmed by SMS within 24 hours (compared with 9 days by post previously). 

This innovation has been hailed by the press, the French digital affairs directorate (Direction du Numérique), the CNAM * and, most importantly, by our customers (86% satisfaction)!

*CNAM: French Health Insurance Provider – Caisse Nationale d’Assurance Maladie

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

Our partnership with the Direction du Numérique and the CNAM stands out as a fluid and dynamic collaboration, which continues today with the deployment of FranceConnect V2. We were impressed by the dedicated commitment of BNP Paribas Cardif employees who worked to bring this innovation to life and to make the procedure easier for our clients. The project mobilised a large number of employees to take advantage of their diverse expertise: the UX, UI, Development, Integration, Design, Compensation, Project Management, Actuarial, Claims Management, Claims Database, Workflow, RPA and Testing teams and the Scrum Master, among others. 

Our hope is that the success of this first use case will pave the way for other partnerships with public authorities to extend the deployment of parametric insurance and further simplify our customer processes. 

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

Here’s what we think made the difference to the project’s success: 

• Being committed to the final purpose of the new service: what concrete value is created for the company and, above all, for our customers?
• As with any project, involving all stakeholders from the outset.
• Relying on strong, tangible support from our management and sponsor.      
• Concentrating the project on a short timeframe, in order to benefit from dedicated time and key resources, particularly for project management and development purposes. 
• Promoting an agile organisation that is both rigorous and flexible and led by a Scrum Master (as a key role in the Agile methodology, he is the guarantor of the application of the method, supports the team by organising the various Agile rituals and facilitates collaboration within the team).

The project is now in an acceleration phase: our goal is to showcase the feature as part of the customer journey and support its adoption in order to continue to increase use. We recommend factoring in the gradual adoption curve of the new service right from the project’s outset.

In Brazil, BNP Paribas Cardif is accelerating the digitalisation of insurance by implementing next-generation and cloud-native APIs. These new tools are more than just technical upgrades—they are redefining the way insurance integrates into BNP Paribas Cardif partners’ digital platforms, enabling seamless customer journeys and efficient operations.

Alberto Yamaguchi, Project Manager at BNP Paribas Cardif in Brazil deep dives into this innovation to highlight the transformative impact of these APIs and what they mean for the future of insurance in the region.

What motivated the shift to cloud-native APIs for insurance distribution?

Alberto Yamaguchi:
The move was driven by a clear market need for speed, security, and seamless integration. In today’s digital environment, distribution partners and customers expect insurance to be part of a fluid online experience—no delays, no friction. Cloud-native APIs give us that capability. They enable instant insurance policy activation, real-time monitoring, and better customer engagement.

From a business perspective, the shift also means we can scale operations faster, avoid downtime, and respond quickly to our partner demands. Our job is about enabling growth while maintaining a high level of control and performance.

How do these APIs enhance both partner and customer experience?

Alberto Yamaguchi:
First and foremost, they eliminate disruption. With online activation, our partners can provide insurance offers to their clients that are immediately available and accessible. There’s no need to process batch files or wait for back-office validation. Everything happens in real time and customers get the protection they need almost instantly

For customers, that translates to a seamless journey— from underwriting to claims submission. At the same time, it offers a safer customer journey as we have strengthened fraud detection and data security through advanced risk management embedded into the APIs. It’s a win-win for everyone involved.

Can you give us some figures on the impact so far?

Alberto Yamaguchi:
Definitely. Since we deployed them, the new APIs have already outperformed all previous versions combined. We are now processing over 1 million transactions per month, with a 99.5% availability rate. That’s a level of performance we simply couldn’t reach before.

So far, three partners are actively using our new APIs, serving nearly 1 million unique clients over the last 12 months. And this is just the beginning; we are already onboarding more partners and scaling up our product offering.

What’s the technical secret behind this performance?

Alberto Yamaguchi:
It comes down to being cloud-native from the start. The APIs are designed to dynamically scale resource consumption so, even at peak load, the system remains stable. We also have automated alert systems and real-time dashboards, which help us monitor performance and respond instantly to any issues.

Because everything is designed to optimise efficiency, we can handle high volumes without increasing operational complexity. That’s crucial for our partners and necessary as we prepare to expand even further.

What’s the roadmap for API-driven insurance distribution in Brazil?

Alberto Yamaguchi:
By the end of 2025, our goal is that 40% of all our transactions in Brazil are processed online via APIs. We are aiming to offer 30 digital insurance products by that time, all fully integrated into our cloud infrastructure.

More importantly, this isn’t just a tech transformation—it’s about real business value. By reducing reconciliation work, accelerating time-to-market, and supporting real-time transactions, these APIs are fueling our digital sales growth and giving our partners a true competitive edge.

BNP Paribas Cardif has finalised the acquisition of AXA Investment Managers (AXA IM) and signed a long-term partnership with the AXA Group to manage a large part of its assets.

This operation, announced on 1st August 2024, will enable the BNP Paribas Group to create a leading European asset management platform with over EUR 1.5 trillion in assets under management entrusted by its clients. It allows the Group to become the European leader in long-term savings management for insurers and pension funds with around EUR 850 billion, with the ambition to become the European leader in fund collection for private asset investments and positioning itself among the main providers of ETFs in Europe. This operation is also part of the Group’s core mission to support the economy by mobilising savings to finance future-oriented projects in the best interests of its clients.

By combining the expertise of AXA IM, BNP Paribas Asset Management, and BNP Paribas REIM, this new platform will have a wide range of traditional and alternative assets, an expanded global distribution network, enhanced innovation capabilities, and a more comprehensive offering in responsible investment. It will benefit from AXA IM Alts’ market position and expertise in private assets, which are key drivers of future growth for institutional and individual clients, as well as AXA IM’s know-how in long- term asset management for insurance and retirement. In this context, BNP Paribas Cardif will leverage the capabilities of this platform for the management of a large part of its assets, notably its general funds.

The formation of this new platform marks a major milestone in the development and growth journey of the IPS division. It will fully benefit from BNP Paribas’ integrated model, in close collaboration with the CPBS and CIB businesses, particularly within the framework of the “originate to distribute” approach.

“This acquisition is an important moment for the entire BNP Paribas Group. We are delighted to welcome the AXA IM teams, who will find within the BNP Paribas Group a strong culture of customer service as well as ambitious growth and innovation prospects. These are teams with recognised and complementary expertise that will build together a European industrial project to better serve our clients. I have every confidence in the ability of the management teams of our asset management activities to grow the business and create value for our clients and employees,” said Jean-Laurent Bonnafé, Director and Chief Executive Officer of BNP Paribas.

Joint working groups with AXA IM teams are already in place to reflect on and develop a common roadmap, particularly with regard to offerings and services. This roadmap will be submitted to the appropriate employee representative bodies.

The project to merge the legal entities of AXA IM, BNP Paribas AM and BNP Paribas REIM, which would create the new platform held by BNP Paribas Cardif, is currently the subject of consultation with employee representative bodies.

Sandro Pierri, CEO of BNP Paribas AM, will lead the BNP Paribas Group’s asset management activities and Marco Morelli, the current Executive Chairman of AXA IM, will chair the BNP Paribas Group’s asset management activities.

From a financial perspective:

• The Group’s revenue growth by 2026, including the impact of the transaction, will be greater than +5% (CAGR 24-26), with an average annual jaws effect of +1.5 pts.
• Return on Invested Capital (ROIC) will be more than 14% in year three (2028) and more than 20% in year four (2029).
• From a prudential perspective, the impact of the operation on the Group’s CET1 ratio is estimated at approximately -35bp as of the 3rd quarter 2025 results, discussions with supervisory authorities are still on going.

An update on the progress of the operation will be provided upon the release of the third-quarter 2025 results ahead of a Deep Dive, that will take place during the first quarter 2026, focused on the Group’s trajectory including this operation.

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 automates its call analysis processes through AI and the Call Analyzer solution.

Could you please introduce yourself briefly?  

My name is Jérôme Sarrail. Following several years as Chief Risk Officer for EMEA at BNP Paribas Cardif, I joined in late 2024 the Corporate Analytics department to drive the adoption of AI solutions across our entities.

In my current role, I wear multiple hats, including Product Manager of Call Analyzer, an innovative, internally-developed solution that utilizes AI to automatically extract valuable insights from customer interactions.

As Product Manager, my responsibilities include defining the product roadmap, coordinating the development of new features, and deploying new use cases that address the needs of our customers. 

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

The first use cases of Call Analyzer were launched in Q4 2023 in Peru and Colombia, with the audit of telemarketing calls. To guarantee the integrity of the sales process, our solution incorporated automated controls that monitor adherence to the sales script and streamline cross-selling process, thereby enhancing overall efficiency.

Building on this achievement, we expanded our efforts in 2024 to explore two dimensions:

Firstly, we harnessed the power of Generative AI and Large Language Models (“LLM”) to enhance our solution. This integration has enabled us to reduce annotation workload (resulting in faster time-to-market) and more sophisticated analysis of customer interactions.

Secondly, we broadened our scope to develop a new family of use cases focused on understanding customers’ needs and pain points, complementing our existing audit-related use cases.

These advancements have paved the way for the deployment of several use cases in 2025, which are expected to bring benefits to various stakeholders, including customers, partners, and employees.

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

Every AI project starts with data.

What struck me most was the unexpected hurdles we faced in accessing and using our own call data. It’s easy to assume that obtaining the necessary information would be straightforward, but in reality, it often proved to be a significant challenge: contract with our call centers to access to call recordings, issues with inconsistent audio formats (some calls were recorded in mono, while others were in stereo). Furthermore, we had to carefully consider the storage and security of the calls to guarantee a safe and compliant data journey, particularly when dealing with sensitive information.

In practice, the time required for managing these issues frequently exceeds the estimates outlined in plans and roadmaps.

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

In the rapidly evolving fields of AI and Gen AI, it’s essential to have a mindset that scales. This means limiting the time spent on proof-of-concepts (POCs) and focusing on collaborative teamwork to industrialize new ideas from scratch.

At BNP Paribas Cardif, we’ve successfully built Transversal Analytics Solutions to harness the power of AI and drive value creation across our global teams. These solutions are developed through a strong partnership between our Corporate Analytics, IT, and Data teams, demonstrating the importance of cross-functional collaboration in bringing innovative ideas to life.

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 and Icare automates claim management for cars.

Could you please introduce yourself briefly?  

My name is Elena Tsitouris and I work at ICARE, a BNP Paribas Cardif subsidiary specialising in mechanical breakdown warranty and used-vehicle maintenance contracts. I’ve been a Digital and Data Project Manager for seven years now.

In practical terms, my team and I are responsible for outlining, implementing and rolling out the digital services of tomorrow for our partners, customers and internal employees. A 360° project management job with lots of freedom, there’s never a dull moment! 

I have a little girl and a second one on the way and I’m always listening to a lifestyle or cultural podcast! 

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

Our technical platform in Le Mans has always been a strong differentiating asset for Icare, and one that is highly valued by our partners and customers because of the short response time and the expertise of our operators, most of whom are former mechanics.

But our accelerating development, particularly on an international scale, has led us to rethink our model. Automation has emerged as an obvious response to our growing business. And so the Claim Automation project was born!

Encouraged by feedback from other Group entities (BNP Paribas Cardif in Spain, Karapass, etc.) and supported by a team entirely dedicated to this project, which is important, we were able start the work. This involved:

• The development of an analytical model for the automatic approval of claims based on the industry expertise of our operators
• Many UX workshops to improve the online claim filing experience
• Major IT developments to streamline workflow 

Today, we’re proud to have an average of 1,000 claims approved automatically every month, and our goal is to reach 2,000 claims per month by September 2025.

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

I was impressed by the level of technical expertise and know-how of our technical platform. A car is made up of approximately 900 parts. From an industrial point of view, it’s a technological marvel. I also discovered the sustainable side of automotive after-sales services: re-used parts, parts recycling, etc.

And the fact that, strangely enough, there are very few digital platforms in France that cater to repair shops. As someone who originally came from the insurance sector, I was able to discover the automotive side of my job.

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

Securing support from management very much helps bring your innovation to life. Having strong support helps to create an environment that is conducive to innovation – in terms of resources, of course, but also a secure workspace that leaves room for iteration and failure.

Lastly, I’m not telling you anything new, but having dedicated IT teams working full-time on the project is a major asset. 

As the Latin American insurance market undergoes rapid digitalisation, BNP Paribas Cardif is leading the way with its new Insurance Distribution Platform (IDP). Designed for agility, speed, and scalability, IDP is already transforming the way insurance is distributed across the region. From banking and consumer finance to retail and automotive industries, the platform empowers BNP Paribas Cardif’s partners to deploy customised insurance solutions with unprecedented speed and ease.

Pierre-Henri Zoller, Deputy CEO of BNP Paribas Cardif in Latin America, gives his view on the way IDP works, its impact, and the ambitious vision of insurance-as-a-service behind it.

What exactly is IDP, and why is it such a significant innovation?

Pierre-Henri Zoller:
Our distribution platform IDP represents a radical shift towards Insurance-as-a-Service. It’s a fully modular, API-first platform that integrates effortlessly with our distribution partners’ digital ecosystems. What makes it truly innovative is the speed and flexibility it offers. Launch timelines have moved from several months to just a few weeks and that’s a game-changer in a fast-moving market like Latin America.

Beyond technology, IDP also changes the way we think about partnerships. It gives our partners the right tools to tailor insurance offers to their needs, to manage claims, to monitor performance, and optimise the entire journey of their customers in real time—all within a single, unified platform.

What makes this platform stand out compared to traditional distribution insurance schemes?

Pierre-Henri Zoller:
Actually, two things: scalability and end-to-end integration. With IDP, we cover the entire insurance lifecycle—pre-sales, sales, after-sales, and claims management. And we do it in a way that’s completely transparent, thanks to real-time dashboards and data insights. It’s not just about simplifying processes, it’s about giving our partners complete control over the products and visibility.

We also designed it to be easily understandable and usable, true to our mission to make insurance more accessible. Whether our partner is a bank, a fintech, an automotive group, or a retailer, the platform adapts to their requirements. And because IDP is modular, we can roll out just the pieces our partners need, when they need them.

What products does IDP support, and how does it help BNP Paribas Cardif’s partners stand out?

Pierre-Henri Zoller:
The platform supports a wide range of products: creditor protection insurance (CPI), life, health, property & casualty, and home insurance. But what is truly differentiating is that it gives our partners the ability to launch and adapt products quickly. That is where lies its real value.

We provide ready-to-use templates and pre-configured APIs, so even complex insurance products can be deployed fast, without heavy development work. This helps our partners remain agile, test new offerings, and fine-tune them based on real-time feedback.

How has IDP performed in real-life deployments?

Pierre-Henri Zoller:
Our pilot in Colombia was extremely promising. We managed to integrate seamlessly with local IT systems, which proved the platform’s agility and adaptability. It gave us a blueprint for regional expansion—and we are now actively rolling it out in Mexico, Chile, Brazil, and Peru.

We have already observed efficiency gains, faster time-to-market, and better alignment with customer expectations. It also had a positive impact on compliance and data governance, thanks to its built-in monitoring tools.

What does the future look like for IDP in Latin America?

Pierre-Henri Zoller:
By 2026, we plan to make IDP the backbone of our insurance distribution across the region. It’s not just a tool,it’s a strategic enabler. It helps our partners accelerate their digital transformation, improves customer satisfaction, and strengthens our position as a leading digital player. In a landscape where agility defines success, IDP enables us all to stay ahead of the curve.

BNP Paribas Cardif has taken a major step to improve access to credit for people who have successfully fought prostate, testicular or breast cancer. These people can now take out credit protector insurance (CPI) when they purchase real estate, and for either personal or professional use, without any premiums surcharge or exclusionary clauses, and without having to wait for the end of the five-year waiting period stipulated in France’s “droit à l’oubli” (“right to be forgotten”) legislation.

Nearly 550,000 men in France were covered by the national health insurance system in 2021 following a diagnosis of prostate cancer – the most common cancer among men, accounting for 25% of male cancers. Testicular cancer mainly affects men aged 15 to 45 , while breast cancer represents 33% of female cancers.

Given this situation, BNP Paribas Cardif is facilitating access to property loans, ensuring that people who have completed active cancer treatment and do not have any other medical condition can benefit from standard insurance rates for loans of up to one million euros, without any extra premiums or exclusions. This measure is applicable for all creditor insurance policies distributed in France for the acquisition of real estate and for either personal or professional use.

Creditor insurance strengthens customer protection by guaranteeing the repayment of monthly loan instalments if the borrower is obliged to take sick leave. This insurance also covers repayment of outstanding loan principal in the event of death, disability, work incapacity and/or loss of employment. BNP Paribas Cardif is pursuing its mission of making insurance more accessible by going beyond the recommendations of the AREAS agreement on insurance coverage for people with serious or aggravated health risk to better support its policyholders in the face of life contingencies.

For more than 15 years, the insurer has regularly taken medical advances into account and introduced concrete changes that simplify access to creditor insurance. These measures have already been implemented for people suffering from asthma, Parkinson’s disease, gestational diabetes, paraplegia, tetraplegia and inflammatory bowel disease (IBD) such as Crohn’s disease or ulcerative colitis. In December 2024, terms for improved access to borrower insurance were also extended to people living with HIV whose viral load is undetectable at the time of insurance subscription.

“Our priority has for many years been to provide better coverage for our customers and protect them against unexpected life events, while helping them pursue plans for real estate purchases. After recently making it easier to obtain borrower insurance for people with inflammatory bowel disease or people living with HIV whose viral load is undetectable, we are marking further progress today. Our new measures enable people who have had prostate, testicular or breast cancer and who have completed their therapeutic protocol to take out insurance without additional premiums or exclusionary clauses. We’re extremely proud of this significant step forward,” says Fabrice Bagne, BNP Paribas Cardif Deputy Chief Executive Officer, France.

CDC Investissement Immobilier, the real estate asset management unit of Caisse des Dépôts, and BNP Paribas Cardif have taken delivery from Emerige,Interconstruction and Brownfields of 295 housing units in the Fauvelles neighbourhood in the Paris suburb of Courbevoie.

Designed by Bridot Partenaires Architectes, this project is located at the corner of Rue des Fauvelles and Avenue de l’Arche, near the La Défense business district. The 295 residences span nearly 20,000 square metres of living space around a large 557-square-metre central landscaped courtyard. The complex also has 241 parking
spaces.

The units feature high-end amenities and services, including solid wood flooring,
kitchens pre-equipped with certain essential appliances and fixtures,
connected parcel boxes and more.

Generous interior volumes are extended
by a large number of outdoor spaces that measure 13 square meters on
average. What’s more, common areas have been decorated by interior
designer Corinne Crenn.

This project has been certified to the most demanding environment and
energy efficiency standards. The complex has been awarded NF Habitat HQE

Excellent level (six stars) and Effinergie+ certifications. In addition, it has
received the BiodiverCity label and complies with the RT 2012 -30% standard.
The residences are part of a major urban development project that also
includes intermediate and social housing, shops, a municipal swimming pool
and a gymnasium.

Apartments in the complex are currently available for rent under open-market
lease agreements.
With this latest project, CDC Investissement Immobilier continues to pursue a
dynamic residential real estate strategy and now manages more than 3,400
housing units.

By participating in this new environmentally-efficient project, BNP Paribas
Cardif continues to strengthen the share of its real estate portfolio allocated to
residential property. Residential real estate investments currently represent
nearly 20% of the insurer’s real estate portfolio, totalling over 2 billion euros.
Colliers Global Investors France advised the investors for the technical aspects
of the handover process.