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Interview croisée : Comment le covoiturage favorise les rencontres entre collaborateurs de différentes entreprises ?

17 September 2019

 

Afin de proposer une nouvelle solution de transport à tous ses collaborateurs, BNP Paribas Cardif a mis en place depuis 2018, un partenariat avec Klaxit, spécialiste du covoiturage en entreprise. Avec plus de 500 inscriptions, le covoiturage se développe et se fait également entre différentes entreprises. C’est le cas de Melissa Corinthe, Responsable fidélisation client TPE chez Sodexo Pass France et Pascale Desfontaines, Responsable fabrication au service Communication France de BNP Paribas Cardif, qui partagent ensemble leurs trajets. Elles reviennent sur les avantages du covoiturage au quotidien.

 

 

Avant cela, quels étaient vos a priori sur le covoiturage ?

 

Mélissa : Mes seuls a priori concernaient les personnes que j'allais transporter. Je me demandais comment ça allait se passer, surtout que je suis une femme et que je ne conduisais que des hommes dans ma voiture. D'ordinaire, je ne suis pas timide, mais là, j'avoue qu'au début je suis un peu restée sur mes gardes.

 

Pascale : Je n’avais jamais fait de covoiturage. Je trouve que la voiture est un espace cocooning qui offre une certaine liberté. Je ne voulais pas me retrouver tous les matins dans une voiture avec une personne que je ne connaissais pas et me sentir obligée de discuter de sujets qui ne m'intéressent pas forcément. Je pensais que cela serait contraignant et je préférais ne pas covoiturer !

 

Comment s'est passée votre première expérience avec Klaxit ?

 

Mélissa : J'ai cherché des gens qui pouvaient m'emmener, mais finalement je n'ai pas trouvé de conducteurs à côté de chez moi. Je me suis donc proposée en tant que conductrice. Mon premier covoitureur habitait à Joinville, sur mon chemin, et on pouvait faire les trajets du matin et du soir ensemble. C'était aussi sa première fois en covoiturage et ça s'est bien passé toute la semaine. Il était très gentil et nous avons discuté de choses très diverses. Par la suite, j'ai eu une autre bonne expérience avec un deuxième covoitureur.

 

Pascale : Je suis revenue de vacances mi-juillet. Je savais que le tramway était en travaux pour une durée d’un mois. Comment aller au travail sans le tramway ? j’ai tout de suite pensé au covoiturage Klaxit. Le dimanche soir, la veille de ma reprise, j'ai lancé l’application Klaxit sur mon téléphone et  j'ai immédiatement trouvé pour le lendemain matin un covoitureur conducteur, qui passait juste devant chez moi. C'était inespéré ! Évidemment, il a fallu faire les présentations. Nous nous sommes aperçu que nous travaillions dans le même groupe BNP Paribas et le feeling est bien passé. Il m'a ainsi expliqué son métier chez Arval, société spécialisée dans la location de véhicules et moi, le mien à la communication chez BNP Paribas Cardif.

 

Cela a-t-il levé vos craintes sur le covoiturage ?

 

Mélissa : Oui. Nous avons beaucoup discuté et partagé avec les covoitureurs. Au fil des trajets, nous avons bien sympathisé. Le premier, qui était aussi DJ, m'a fait découvrir des musiques et le second m'a donné des jeux vidéo pour mon fils. Ce sont des choses que l'on aurait pu faire entre collègues de travail.

J'ai tellement apprécié ces moments qu'après cette première expérience en covoiturage, je suis partie en vacances et j'ai pris un covoitureur. Si je devais aller travailler en voiture, je crois que je prendrais quelqu'un tous les jours.

 

Pascale : Oui, car finalement, ce n'est pas aussi contraignant que ce que je redoutais. Dans la voiture, il n'y a pas d'obligation : certains jours nous discutons, à d’autres moments, nous écoutons la radio et, parfois, nous sommes dans nos pensées. C'est plus agréable que ce que je pensais. On se laisse un peu porter le temps du trajet et cela me permet de découvrir des endroits de la banlieue parisienne que je ne connais pas.

 

Si vous deviez lister les avantages que cela a représenté pour vous, que diriez-vous ?

 

Mélissa : Il y a bien évidemment un impact au niveau écologique, puisqu'on pollue moins. Et puis, s'il y a moins de voitures sur les routes, il y a moins de bouchons, donc moins de stress aussi. Même si on ne le fait pas forcément pour l'argent, cela représente un avantage financier et il faut bien avouer que les quelques euros gagnés lors du covoiturage sont appréciés au moment de faire le plein de la voiture. Et puis, au niveau humain, ça change du quotidien, ça nous ouvre aux autres.

 

Pascale : C'est un véritable gain de temps. Je ne fais plus des trajets d’une heure, avec des changements entre le tram, le train, etc. Mon covoitureur me récupère devant mon domicile pour m'amener quasiment sur mon lieu de travail en 30 minutes seulement. Du coup, je suis moins fatiguée. En plus, je n'ai pas à supporter la foule, le bruit et, lorsqu'il fait très chaud, je profite même de la climatisation dans la voiture.

 

L'aspect humain revient souvent dans vos réponses. Vos trajets avec Klaxit ont l'air de vous avoir permis de faire des rencontres intéressantes...

 

Mélissa : C'est vrai que dans les transports en commun, on voit plein de gens qui vont travailler au même endroit que nous et on ne se parle pas forcément. En voiture, c'est plus facile de nouer des liens, car nous sommes tous dans le même petit espace et nous pouvons plus facilement discuter. J'ai ainsi pu découvrir les activités de mes covoitureurs qui travaillaient chez BNP Paribas Cardif ou dans une association à la défense.

 

Pascale : Au départ, je pensais que Klaxit était réservé aux collaborateurs du groupe BNP Paribas, mais pas du tout, et j’ai covoituré avec des personnes travaillant chez Vinci et Arval. Cela m'a permis de connaître leur travail. Au départ, nous avons surtout parlé de nos métiers, mais au fur et à mesure des trajets, nous nous sommes mis à aborder des sujets plus personnels. Et finalement, une des personnes de Vinci m'a proposé de participer à un apéritif à la rentrée. Nous sommes à Nanterre, tous dans le même quartier, nous aurions très bien pu nous rencontrer dans le RER et faire le chemin ensemble, mais c'est le covoiturage qui a rendu ces rencontres possibles.


BNP Paribas Cardif introduces Cardif Libertés Emprunteur, a mortgage insurance available to the largest possible number of people

17 September 2019

 

The world leader in creditor insurance[1], BNP Paribas Cardif has innovated and expanded its offering with a new mortgage insurance policy available to the largest possible number of people. Cardif Libertés Emprunteur is flexible, easy to subscribe and also available to vulnerable borrowers, allowing them to serenely pursue property acquisition plans.

 

A simple, flexible product offering insurance cover tailored to client needs 

Mortgage insurance guarantees repayment of a loan in the event of death, disability, work disability and/or loss of employment. If the borrower suffers one of these adverse events the insurer repays the outstanding loan amount, either completely or partially, depending on the terms of the cover subscribed.

Cardif Libertés Emprunteur allows policyholders to adjust the cover of their contract to their specific situation and needs:

-      Policyholders are free to choose the cover matched to their profile, their needs and the requirements of the bank providing the mortgage.

-      They can choose between paying a fixed or variable insurance fee each month to add protection, since fixed-rate fees are one of the new options included in this mortgage insurance offer. 

 

A more fluid digital subscription experience for clients 

Subscription of mortgage insurance is generally done towards the end of the property acquisition process. It is therefore important that taking out this insurance be as simple and rapid as possible to enable people to finalize the acquisition of their property with complete serenity.

The Cardif Libertés Emprunteur Passport enables clients to anticipate their mortgage insurance even before they find a property or obtain a bank loan. The insurance proposal is now valid for 12 months, compared with 4 months previously.

The insurance subscription process is facilitated because it is 100% digital. Future clients simply provide their health data online with complete confidentiality, and finalize their subscription using an electronic signature. In addition, policyholders under the age of 46 who take out a loan up to the new ceiling of 600,000 euros[2] are, depending on their health, simply asked to complete a basic health questionnaire online.

This streamlined digital pathway is designed to enable 90% of clients who choose Cardif Libertés Emprunteur to receive an immediate decision online.

 

Facilitating access to insurance 

Within the framework of its Corporate Social Responsibility (CSR) policy, BNP Paribas Cardif is committed to increasing the positive impact of its products and services, in particular by making insurance available to the largest possible number of people. 

Ten years ago, BNP Paribas Cardif became one of the first insurers in France to facilitate the terms and conditions for obtaining creditor insurance for people suffering from certain pathologies such as asthma, paraplegia or coronary diseases. Taking into account medical advances and improved treatment strategies over the years, BNP Paribas Cardif proposes insurance cover and rate structures that are better adapted to the actual situations of people who suffer from these pathologies.

Cardif Libertés Emprunteur is now offering insurance cover and adjusted rate scales for four additional pathologies:

-      Parkinson’s disease[3],

-      obesity[4],

-      gestational diabetes[5],

-      psychological problems related to a traumatic event (aggression, separation or divorce, spousal violence, terrorist attack, etc.).

 

By proposing insurance terms that are better aligned with the actual situation of clients affected by these pathologies, BNP Paribas Cardif makes it easier for them to become homeowners and realize their plans.

 

The Cardif Libertés Emprunteur is marketed by brokers, financial advisors and on the cardif.fr website.

Download the press release


[1] Source: Finaccord - 2018

[2] Total amount covered by Cardif for one or more properties for the same policyholder

[3] Parkinson’s disease is the second most prevalent neurodegenerative disease in France. Each year 8,000 new cases are diagnosed in France (INSERM/2015). 200,000 people suffer from this pathology in France (source: French Health Ministry / 2015).

[4] 10 million people suffer from obesity in France (AMELI / 2015)

[5] Gestational diabetes affects one out of ten pregnant women in France (CEED Center for Diabetes Studies / 2012)


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13th annual market survey of French financial advisors and their clients

12 September 2019

Financial advisors ready to help clients take advantage of opportunities introduced by changes in French legislation 

 

BNP Paribas Cardif has published the results of its 13th annual market survey of French financial advisors and their clients[i]. Conducted in France with KANTAR, one of the world’s leading market research agencies, the 2019 survey by BNP Paribas Cardif focuses on the expectations of financial advisors and their clients following the adoption of France’s “PACTE” law on Business Growth and Transformation[ii]

 

Financial advisors believe that pension savings reforms included in the PACTE legislation will create growth opportunities 

70% of the financial advisors view the PACTE law as a business development opportunity, confident that it will generate client contacts and energize their pension savings activity. 

This perception is accentuated by the significant need for support manifested by clients, who generally have a limited understanding of the measures in the law. Only 10% of the financial advisors’ clients say they are familiar with the main measures in the law. This creates substantial demand for support, since four out of ten clients intend to contact their financial advisor to obtain information and advice regarding this issue. Nine percent of them have already discussed the PACTE law with their financial advisor. Furthermore, 59% of the clients cite tax issues at the top of the list of subjects about which they expect advice from their financial advisor. Pension savings is another priority issue, cited by 31% of the clients, who are counting on their financial advisor to provide them with information.

Financial advisors anticipate changes in the savings behaviour of their clients due to the measures in the PACTE law. Some 54% of them believe the law will have a positive impact on inflows. Over 30% of clients could be motivated to change their savings habits due to the PACTE law: 19% say they are thinking about opening a pension savings plan and 13% say they are considering increasing their contributions to existing plans. The measure cited by clients and prospects as creating the strongest incentives is the possibility of choosing between different exit options at retirement, either an annuity or capital withdrawals with attractive tax benefits. 

These expected shifts in savings behaviour can be attributed to changes anticipated last year following the introduction of France’s new real estate wealth tax (Impôt sur la Fortune Immobilière – IFI). Eighteen months after its introduction, the real estate wealth tax has had a significant impact on decisions to choose either investments in property or financial assets. Over a quarter of financial advisors’ clients have either changed their investment choices or have invested more in financial assets than in property. The impact of this measure is even more marked for higher net worth clients. Forty-two percent of clients with assets in excess of 500,000 euros opted for financial investments rather than property, and 32% of them changed their investment choices.

In this favourable context, 82% of financial advisors are confident in the development outlook for their business. This confidence is reinforced by the fact that their recognition has risen significantly - from 55% in 2018 to 68% in 2019 – and their image capital is trending positively: 33% of their clients have a very good image of financial advisors, compared with 24% in 2018.

 

Growing importance of Socially Responsible Investing (SRI) 

Socially responsible investing is gaining traction in France and offers very significant growth potential[iii]. Awareness of socially responsible investing has increased as well.[iv] In addition to still decisive criteria such as security and yield, over a quarter of financial advisors’ clients consider socially responsible investing as a primary factor when they invest in life insurance vehicles.

However, financial advisors seem to underestimate the importance of the SRI facet of investment choices. Over half of their clients and prospects think that the socially responsible aspect of funds is important, while SRI is viewed as important by only 35% of the financial advisors. SRI has become a criteria that should not be overlooked and has the potential for creating differentiation. In fact, 40% of the financial advisors already offer one or more SRI funds and 27% plan to add SRI investments to their range.

 

Financial advisors and their clients now make extensive use of digital resources 

Financial advisors already call on digital solutions extensively for various aspects of their business. On average they use four digital solutions: 84% of them use online subscription tools, 71% employ digital resources for their advisory services, and 68% resort to aggregators. Although usage is increasing, fewer advisors resort to policy comparison tools (40%). The level of satisfaction among the advisors regarding the digital solutions available to them has increased to 69% from 56% in 2018.

Financial advisors still underestimate the appetite of their clients for digital solutions. They estimate that about half their clients are ready to execute all-digital transactions, whereas the survey results show that 61% of their clients are favourable to all-digital channels. 

“Financial advisors are clearly ready to take advantage of the opportunities created by France’s recently introduced PACTE legislation. They recognize that their clients need their support and have positioned themselves as essential partners able to provide advice and guide changes to their clients’ investment strategies. The financial advisors definitely enjoy solid assets, notably a marked increase in both recognition and image capital during the year. To ensure long-term impact, however, they also need to go further and not underestimate either the digital maturity of their clients or their interest in meaningful investment solutions. These are both fundamental issues that the financial advisors are progressively integrating,” says Pascal Perrier, Director of Financial Advisor Networks – Brokers & Digital Business, BNP Paribas Cardif France.

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[i] : Methodology: telephone survey conducted by KANTAR between 13 May and 31 May 2019 covering:

-          a representative sample group of 303 financial advisors (sample group validated as representative using quotas on size of business and region)

-          a sample group of 501 clients and prospects of financial advisors with financial assets of 75,000 euros or more (sample group validated as representative using quotas for gender, age, region and personal savings assets).

[ii] PACTE : Plan d'Action pour la Croissance et la Transformation des Entreprises – Action Plan for Business Growth and Transformation

[iii] Study by BNP Paribas Asset Management / Kantar TNS conducted in December 2018 

[iv] In 2018, 56% of people in France with assets of over €50,000 knew what socially responsible investing was, compared with 47% in 2017 (Study by BNP Paribas Asset Management / Kantar TNS conducted in December 2018 )


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We are accelerating our transformation to be CLOSER to the needs of our customers and bring them even MORE INNOVATIVE solutions.

We create BOLD services by working directly with our partners. We have forged increasingly close relationships with our partners since the founding of our company, teaming with them to explore new geographies, new approaches to business and new technologies. This unique approach to our business and the strength of our partnership-based model enable us to pursue the ambitious, future-facing mission we have set for ourselves: make insurance accessible to the LARGEST POSSIBLE NUMBER of people.

Our commitment to playing a USEFUL role in society figures at the core of our strategy. We have multiplied our initiatives to create a positive impact and we unify individual energies behind collective goals to make sure that the largest possible number of people enjoy access to the benefits of insurance.

 

>> Download BNP Paribas Cardif 2018 Business Report

>> Download BNP Paribas Cardif 2017 Business Report

                                                                                 

 


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We have signed various agreements in order to promote professional gender equality. 
 
Besides, we launched an ambitious action plan to offer men and women the same career opportunities. Our actions are also followed by a strong communication campaign towards the top management.
 
 
Within the frame of our membership in the Parenthood Chart, we also seek to help employees to reach the right balance between their professional and personal lives. 
 
Here are some actions we undertook:
 
  • Support measures in favor of maternity and parenthood,
  • Reservation of places in childcare and leisure activity centers for kids, as well as granting an access to emergency babysitters,
  • In 2018, 500 kids had the opportunity to discover their parent's work place and to participate in fun and educational activities.
 
Our strong commitment on this topic since 2008 has been publicly recognized with an Equality label award.
 

Bancassurance : BNP Paribas Cardif and Scotiabank announce Strategic Alliance in Latin America to protect approximately 9 million customers

25 July 2019

 

BNP Paribas Cardif, the insurance unit of BNP Paribas, and Scotiabank, Canada's international bank and a leading financial services provider in the Americas, announce that they have entered into a long-term bancassurance strategic alliance in Latin America.

The 15-year strategic alliance between BNP Paribas Cardif and Scotiabank involves the development of protection and insurance solutions to be distributed to Scotiabank’s growing 9 million customers in Chile, Colombia, Mexico and Peru. Supported by BNP Paribas Cardif’s multichannel and analytics expertise, Scotiabank will offer innovative solutions and create new experiences for its customers in the Pacific Alliance Countries. The respective local agreements will be signed in each country in the following weeks, subject to regulatory approvals as applicable.

 “As a leading bank in the Pacific Alliance, Scotiabank is committed to the region and we are excited to be able to jointly serve our retail customers across the region with world-class protection solutions that enhance the banking and insurance experience,” said Ignacio (Nacho) Deschamps, Group Head, International Banking & Digital Transformation at Scotiabank.

“This regional strategic alliance marks the beginning of a new phase for the insurance business in our main markets in Latin America, offering an integral value proposition for our customers using digital technology,” continued Ignacio (Nacho) Deschamps, “BNP Paribas Cardif is a world leader in bancassurance,  and shares Scotiabank’s   strategic focus on the use of digital technology and analytics. We are thrilled to partner with BNP Paribas Cardif to provide truly customer-centric solutions in our main markets in the Pacific Alliance”, he commented.

We are proud to work with Scotiabank, a leading financial services provider in the Americas, to deliver to its customers expert advice, insights and solutions. We have been operating in Latin America for 20 years with strong positions in many countries. Considering its large scope and length, our strategic alliance with Scotiabank is a milestone of our development in the region”, stated Jean-Bertrand Laroche, Deputy CEO, Head of International Markets, BNP Paribas Cardif.

“Our mission as a company is to make insurance accessible to the largest possible number of people. Today, there is a great opportunity in Latin America since 70% of its people are not protected. With our expertise and Scotiabank´s network reach, this strategic alliance enhances the best in both companies, creating a unique proposal. Scotiabank is the perfect partner for this challenge,” added Francisco Valenzuela, CEO of Latin America, BNP Paribas Cardif.

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