Four strategic goals

In 2014, we moved up a gear in the Group’s development in Europe and Latin America, in close alignment with the expectations of our customers and partners.

With our partners caring for policyholders

CNP Assurances’s individual insurance products are distributed by two major bancassurance networks with a deep presence throughout France –

La Banque Postale and Caisses d’Epargne (BPCE) – that are both partners and shareholders.

Priorities

  • Develop and refresh the CNP Assurances offer, in order to protect many more generations of French families and support our partners’ move upmarket.
  • Accompany our partner networks as they move to multi-channel distribution.
  • Adapt our service level, in terms of quality and responsiveness, to each customer segment.
  • 5.2 million customers with La Banque Postale
  • 5 million customers with the Caisses d’Epargne
  • 12,000 points of sale in our two partner networks in France

An open modelfor Europe

We are using our partnership culture to develop growth drivers in France and the rest of Europe in the social protection and long-term savings markets.

Priorities

  • Build the term creditor insurance and individual personal risk businesses in Europe by consolidating our positions in France and Southern Europe and penetrating new markets in Northern Europe.
  • Deploy full on-line solutions, notably in term creditor insurance.
  • Win over new partners with the new savings offer for the wealth management market.

100% partner-focusedDistribution through major banking networks and targeted partnerships in Europe

€2bn per year target for new money invested in premium savings products within two years

Contributing to the social safety net

Increased life expectancy, question marks over the funding of pensions, the economic crisis and new vulnerabilities are testing the limits of traditional welfare systems and creating new protection, prevention and support needs. We are working harder than ever with partner mutual insurers and employee benefits institutions to provide life-long support to insureds.

Priorities

  • Develop a supplementary health and death/disability insurance offer for micro-enterprises and SMEs.
  • Design new generation services for improved everyday well-being, accessible via the Internet.
  • Help to improve occupational health, to ensure the continuing employability of older employees.
  • Help retirees to stay healthy so that they can live independently for as long as possible.

60 years partnering mutual insurers and employee benefits institutions

No.1 en prévoyance et santé in employee benefit plans for local authorities

Latin America a future growth driver

We have been present in Brazil for 14 years through Caixa Seguradora. Our local partner is Caixa Econômica Federal, Brazil’s second largest state-­owned bank. During this period, millions of Brazilians have been lifted out of poverty. Caixa Seguradora is helping them fulfil their aspirations.

Priorities

  • Partner and support Caixa Econômica Federal in fulfilling its socio-economic role in Brazil.
  • Simplify processes, products and communication methods to help Brazil’s middle class and lower income population to purchase insurance.
  • Digitalise product distribution in Brazil.
  • Seize opportunities in Latin America.

110 million Brazilians classified as middle class and potential buyers of insurance

60,000 points of sale in Brazil, including 12,500 lottery ticket sales booths