Excellent business and earnings performance
Premium income1 at €21.9bn, up 16% at constant exchange rates
Attributable net profit up 13% at €857m 
High SCR coverage ratio, at 242%

CNP Assurances Group financial indicators 

  • Premium income1 of €21.9bn (up 16% at constant exchange rates vs first-half 2024)2 
  • Attributable net profit of €857m (up 13% vs first-half 2024)
  • SCR coverage ratio of 242% (up 5 pts vs 31 December 2024)
  • Equity of €21.3bn (up €0.3bn vs 31 December 2024)
  • Economic value3 of €32.0bn (up €1.1bn vs 31 December 2024)

Non-financial indicators4

  • CNP Assurances is ranked as the leading French insurer in the Sustainalytics ranking, which places the company among the 9% of the best-rated companies in the insurance sector in terms of ESG on a panel of 3 agencies
  • €28.3bn in green investments at 30 June 2025 (including €400m in new investments acquired during the period)
  • Carbon footprint of the investment portfolio stable at 45 kgeqCO2/€k invested
  • 16 products for vulnerable populations (+2 vs 31 December 2024)

Maintaining La Banque Postale's positive momentum and developing growth drivers based on the open model, notably through

  • Strong growth in wealth savings business through CNP Patrimoine and CNP Assicura
  • Faster growth in open model distribution of personal risk and affinity insurance products in Europe.

Marie-Aude Thépaut, Chief Executive Officer of CNP Assurances

"Our sales performance across all the Group’s business segments and geographical regions attests to the success of our open multi-partner model. In the first half, Group premium income rose to €21.9bn, led by the momentum of the wealth savings segment, the consolidation of CNP Assurances Protection Sociale and the performance of La Banque Postale network. The sharp rise in attributable net profit to €857m while maintaining an SCR of 242% reflects the relevance of our strategy and supports our growth momentum. 

In line with our corporate mission, this year we have pushed back the boundaries of insurance even further to protect as many people as possible. In France, we have therefore lifted the barriers to term creditor insurance for men suffering from prostate or testicular cancer, just as we did for breast cancer sufferers in March 2024.

On the strength of these results and the outstanding work of all our teams, we are looking forward the second half of the year with determination, despite the continuing economic uncertainty."

1  Premium income is a non-GAAP indicator.
2  Up like-for-like 15% excluding CNP PS, CUV and CIH and currency effects
3  Economic value corresponds to equity plus the net CSM
4  Scope: CNP Assurances SA and its subsidiaries.


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