• Pre-tax net profit of 1.96 billion euros for full-year 2025, up 24% over 2024
• 40.5 billion euros in gross written premiums at end-2025, up 12% compared to 2024
• 302 billion euros in assets under management, up 6% compared to 2024
• 54% of gross written premiums with partners and networks outside the BNP Paribas Group
• Nearly 80 partnerships renewed or signed in 2025
• 52% of gross written premiums outside of France

BNP Paribas Cardif reported pre-tax net profit of 1.96 billion euros in 2025, an increase of 24% compared to 2024. This performance was driven by the insurer’s dynamic partnership model, the successful integration of recent acquisitions in France and Italy and exceptional items linked in particular to revaluation of equity investments.

Gross written premiums for the BNP Paribas Group’s Insurance Business Line reached 40.5 billion euros, an increase of 12% compared to 2024. BNP Paribas Cardif’s business is driven by dynamic performance across the BNP Paribas Group’s Retail Banking network and by a unique partnership model that enables it to generate 54% of its gross written premiums with partners and networks outside the BNP Paribas Group. Nearly
80 partnerships were renewed or signed in 2025, testifying to the confidence partners have in BNP Paribas Cardif’s capacity to support the goals of their customers. These new agreements include a partnership in France with Stellantis Financial Services in the used car business, consolidating the leading position of Icare, BNP Paribas Cardif subsidiary specialized in extended warranties and maintenance for motor vehicles.

Deployed in 30 countries this model enabled BNP Paribas Cardif to generate 52% of its gross written premiums outside of France in 2025, consolidating growth thanks to new strategic alliances.

Continued growth in savings

Savings assets under management totalled 302 billion euros at the end of 2025 (+6% compared to end 2024). Gross inflows in savings worldwide amounted to 32.4 billion euros at the end of 2025, (+15% compared to end 2024), with 37% in unit-linked products. In France, savings inflows increased 3% comported to 2024, reaching 17.4 billion euros. This increase came in particular from retail banking networks of the BNP Paribas Group, as well as business through wealth management advisors and brokers, and from the integration of Neuflize Vie. Outside France, gross savings inflows were 14.9 billion euros, an increase of 32% over 2024. The acquisitions of Neuflize Vie and BCC Vita enabled BNP Paribas Cardif to consolidate its leadership in savings by taking advantage of new distribution channels.

BNP Paribas Cardif, a major player in life insurance vehicles in France, and maintains the remuneration rate for its life insurance and capitalisation contracts in 2025 with an average rate of 2.92%. Thanks to substantial reserves and diversified allocation of assets, the insurer confirmed the solidity of its euro fund. Once again, this year, reflecting an equitable approach and supported by a unified rate policy, clients will benefit from a net rate¹ excluding bonuses of at least 2,75%² for 97% of its contracts³, regardless of when the product was subscribed and the distribution channel. BNP Paribas Cardif also strengthened its partnership with BNP Paribas Asset Management, the European leader in long-term asset management, delegating management of a portion of its general fund in France.

BNP Paribas Cardif has pursued its responsible investment policy, targeting both financial performance and positive impact on society in the management of savings entrusted to it by policyholders. At the end of 2025, 97% of the assets in the euro fund in France had undergone ESG⁴ analysis, and BNP Paribas Cardif had made 2.2 billion euros in positive impact investments, corresponding to an average of 2.1 billion euros per year since 2019. At 31 December 2025 nearly 25% of unit-linked assets were invested in responsible investment vehicles⁵. To support the transition to a low-carbon economy,
BNP Paribas Cardif has been committed since 2021 to reducing greenhouse gas emissions in its investment portfolios and to contributing to compliance with the Paris Agreement. The insurer strengthened its commitment in 2025, setting a target of reducing the carbon footprint⁶ of its directly held equity and corporate bond portfolio by 50% by 2030 (baseline 2020).

Strong positions in protection to make insurance more accessible

Protection gross written premiums reached 8.1 billion euros in 2025, an increase of 3% compared to 2024. Gross written premiums increased 3% in France to 2 billion euros at end 2025. Gross written premiums in international markets totalled 6.1 billion euros in 2025, an increase of 3% compared to 2024. In Latin America, gross written premiums were 1.8 billion euros, an increase of 3% compared to 2024. Gross written premiums in Asia totalled 1 billion euros, up 1% compared to 2024. In Europe (excluding France) and other countries, business posted a rise of 4% compared to 2024, reaching gross written premiums of 3.3 billion euros.

BNP Paribas Cardif is keenly aware of the importance of establishing relationships with partners and clients anchored in long-term confidence and has reaffirmed its commitment to make insurance more accessible. Faithful to this mission, the company works to ensure better insurance cover for its policyholders to protect them against unexpected life events while helping them realise their goals. By taking into account scientific and medical advances, the insurer continually adjusts its offers and subscription terms and has for more than 15 years regularly introduced concrete measures to facilitate access to creditor insurance. This approach expanded further in 2025 in France to include breast, prostate and testicular cancer survivors, who can now subscribe mortgage insurance without any additional premiums or exclusions, even before the legal period of five years established by the “right to be forgotten”.

Furthermore, BNP Paribas Personal Finance and BNP Paribas Cardif have introduced changes to creditor insurance linked to revolving credit offers available from BNP Paribas Personal Finance’s Cetelem brand, providing extended protection and more inclusive eligibility. Designed to address priorities expressed by people in France today, the policies offer broader, innovative coverage to reflect changes in society and demand for protection solutions. They include coverage of spouses without any additional fee, extended job loss coverage, new guarantees covering divorce or dissolution of civil partnerships, or family assistance if someone is obliged to stop working to care for a sick or disabled child or a dependent family member.

Technology and artificial intelligence help improve the customer experience

BNP Paribas Cardif has for many years introduced initiatives to improve the customer experience thanks to technology, while maintaining the highest standards to meet the growing expectations of its clientele. BNP Paribas Cardif remains more convinced than ever that the human dimension remains an essential pillar in the customer relationship. Recognizing the potential of artificial intelligence (AI), BNP Paribas Cardif deploys an international network of 140 experts who focus their efforts on developing and deploying innovative and secure solutions for the insurer’s partners, policyholders and employees.

By embedding technology and AI in the claims management procedure, for example,
BNP Paribas Cardif boosts the efficiency of claims processing. In France, the insurer has worked with Orange to introduce a solution for AI-based automated claims approval for 50% of claims involving breakage or oxidation of mobile devices. Another example is optimisation of the process for claims under the personal protection product “Solution Prévoyance” marketed via the BNP Paribas retail banking network in France. A digital platform available via mobile phone or the web has been rolled out and has cut claims processing time by 3/4. In Brazil, the claims management model combines digital efficiency and human support: 96% of claims are reported digitally and 90% are settled on the same day. Unemployment claims have recorded strong customer satisfaction, with a Net Promoter Score (NPSD) of 75.

BNP Paribas Cardif also introduces innovative solutions upstream from sales to deliver greater value to its customers. Developed for BNP Paribas Cardif’s partner Falabella – a major retailer in Chile – the CarBoosting tool uses AI to enable dynamic pricing for car insurance. This solution enables real-time review and adjustment of premiums to guarantee personalised rates for each customer.

¹Net of management fees before French social charges

²Plus entry bonuses

³For Cardif Assurance Vie entity

⁴Environmental, Social and Governance criteria

⁵A unit-linked asset is considered “responsible” if it has received a label from an independent organisation (for example SRI, GreenFin, FNG, Finansol, LuxFlag ESG, Towards Sustainability) or classified as Article 9 under the European Union’s Sustainable Finance Disclosure Regulation (SFDR).

⁶Carbon footprint in scope 1 and 2, excluding unit-linked funds. Objective dates: 12/31/2020 – 12/31/2029.

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.

• 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 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.

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.    

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.

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.

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.