Having a positive impact on society and environement

Our mission is to make insurance more accessible. We do this by extending the risks covered by our guarantees, writing our contractual documents in a language that everyone can easily understand, and developing personalised assistance and prevention services. Our distribution partners continually help us day after day to design new offers aligned with current needs, and to improve the customer experience thanks to a more fluid insurance process.

• 100% online policy subscription with no medical formalities for loans up to one million euros for our “Cardif Libertés Emprunteur” loan insurance contract

• 80% of customers who select "Cardif Libertés Emprunteur" receiv an immediate decision online

• 10,000 simplified contractual documents in three years in our 33 host countries

 

 

BNP Paribas Cardif has a responsibility both as an insurer and as an investor. Savings from our policyholders are managed with a long-term view and a dual motive: combining financial performance and a positive impact on society as whole.  

 

Our responsible investment approach 

We have used and developed our environmental, social and governance screening of investment decisions since 2008. Investment restrictions and exclusions are also applied to several sensitive sectors. With a carbon filter we assess greenhouse gases emission levels (in tonnes of CO2 equivalent) and the energy transition strategy of companies we invest in. In 2021, 95% of assets were covered by ESG analysis in the France general fund.

 

Our positive-impact investments 
 

• €1.5 billion euros positive-impact investments have been achieved in 2021
• Our objective : 1 additional billion euros in average per year until 2025

 

Sustainability Finance Disclosure
 

Discover below all the information on sustainability related-disclosures from our legal entities "Cardif Assurance Vie" and "Cardif Retraite" and from our insurance and retirement contracts and to investment products, in accordance with the European Regulation EU 2019/2088 “Sustainable Finance Disclosure Regulation” (SFDR).

Cardif Assurance Vie

• Cardif Assurance Vie’s statement about the integration of sustainability risks
• Statement on the main negative impacts
• Responsible Investment Report 2021 
• Company engagement policy (french version)
• Annual voting report 2021 (french version)
• Information about the general funds of Cardif Assurance Vie that promotes environmental or social characteristics (french version)

Cardif Retraite

• Cardif Retraite’s statement about the integration of sustainability risks (french version)

• Information about the general funds of Cardif Retraite that promotes environmental or social characteristics (french version)

 

 

Because taking care of society means taking care of people, we promote well-being at work, particularly by designing our offices as open, inspiring spaces. To engage with the rapidly changing insurance market, we have a vast training programme focusing on innovation to help our people prepare for the professions of tomorrow.

• 40% of the space available for our employees

• 2000 employees acquired new skills to prepare for the jobs of tomorrow as part of the Skill up program

• In order to people trained in the professions of tomorrow by 2022 To achieve optimal work/life balance, we help our caregivers employees with a personalized support 

 

 

 

We have also taken strong measures to improve gender equality, and we raise awareness among our managers of the need to combat all forms of discrimination and harassment in order to promote a caring professional environment. We want every individual to be able to express themselves and develop their skills without restrictions due to gender, age, origin, sexual orientation or disability.

• Our commitments are reflected in our two main management bodies (Executive Committee and Board of Directors), in which men and women have been equally represented for several years.
  See the breakdown details (in french). 

• Equal pay index: a score of 92 points out of 100 for 2022 in France

 

 

 

Our responsibility is not limited to our business or to our own interests. It also extends to our commitments to the community.

We adopt ethical behaviour that that we intend to be exemplary. We ensure, for example, that all our employees have been trained in data protection.

We support general interest projects and encourage skills sponsorship, particularly in the areas of financial education and improving the employability of young people (benefiting 3,400 young people). 

Our responsible real estate strategy is based on two pillars, the first, environmental, aims to reduce the energy consumption and carbon footprint of buildings. The second pillar, social, aims to facilitate access to housing:

• 20,000 new homes financed through the “Fonds de Logement Intermédiaire” (FLI) in France, to allow families to find affordable housing