Record premium income of €39.1 billion, strong profit of €1.5 billion, a successful first round of the corporate mission with 98% target achievement rate


CNP Assurances Group financial indicators

  • Premium income1 of €39.1 billion (+8.6% at constant scope and exchange rates2 vs 31 December 2024)
  • Attributable net profit amounted to €1,492 million. Excluding the exceptional surtax in France3, profit grew +6%
  • The SCR coverage ratio stood at 256% (+19 pts vs 31 December 2024)
  • Equity of €22.7 billion (+€1.7 billion vs 31 December 2024)
  • Net contractual service margin of €11.6 billion (+€1.7 billion vs 31 December 2024)

Non-financial indicators4

Closing of the first round5 of the corporate mission objectives, with an average achievement rate of 98%

  • Maintenance of the highest MSCI ESG rating (AAA), with a score of 9.7 out of 10
  • The green investment portfolio reached €33 billion (vs €29.4 billion at 31 December 2024)
  • The impact investments outstandings reached €2 billion (vs +€1.7 billion at end 2024)
  • The carbon footprint of our investments decreased to 37 kgeqCO2/€k invested (vs 45 at 31 December 2024)
  • The Group offers 15 products designed for vulnerable populations (vs 14 at 31 December 2024)

Development of new growth drivers

  • In France: successful launch of CNP Assurances Protection Sociale with premium income of €0.9 billion
  • In Italy: acceleration of the development of CNP Assicura with +13% growth in new money and the signature of new partnerships
  • In Brazil: signing of a partnership with Embracon in order to create a major player in the Consórcio segment
     

Marie-Aude Thépaut, directrice générale de CNP Assurances
“In 2025, CNP Assurances has once again achieved outstanding success in both financial and non-financial terms. The Group achieved an excellent performance with record premium income of €39.1 billion thanks to the sales momentum of La Banque Postale and growth in all our regions.
In France, the launch of CNP Assurances Protection Sociale marks an important step in our ambition to better protect every person. In Europe, the growth in new money and the signing of new partnerships testify to the success of the partnership model in the premium savings segment. In Brazil, our future collaboration with Embracon opens up new opportunities in the Consórcio market, an alternative to traditional credit.
Another source of pride for all employees is that we are closing our first round of corporate mission objectives with a 98% achievement rate of the targets set for 2025. Our approach as a responsible insurer and investor has been recognised, with the confirmation of MSCI's AAA rating.”

1  Premium income is a non-GAAP indicator.
2  At constant scope and exchange rates.
3  The exceptional contribution in France on the earnings of large companies
4  CNP Assurances SA and its subsidiaries.
5  CNP has established 16 quantitative indicators as part of its corporate mission to measure its non-financial performance. The maturity was 31 December 2025.


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