Successful launch of the new strategic plan, 
activity maintained at the very high level of 2025 
and solid results

CNP Assurances Group financial indicators 

  • Premium income1 amounted to €19.8 billion, stable at constant scope and exchange rates (-0.2% at constant scope and exchange rates2 vs 30 June 2025) 
  • Attributable net profit amounted to €713 million, stable excluding the effects of disposals (-0.8% excluding disposals vs 30 June 2025)
  • The SCR coverage ratio stood at 247% (-9 pts vs 31 December 2025)
  • Equity of €22.2 billion (-€0.5 billion vs 31 December 2025)
  • Net contractual service margin of €12 billion (+€0.4 billion vs 31 December 2025)

Development of growth drivers as a responsible insurer, investor and employer 

  • Successful launch of Lucya CNP, a 100% online life insurance contract
  • Expansion in complementary social protection (PSC) with the tenders won for the City of Paris and the Brittany region
  • In Italy, signature of an exclusive agreement on the distribution of savings products between CNP Assicura and Fineco
  • Investment commitments of €1 billion in Tibi3 programmes serving major European projects

Marie-Aude Thépaut, Chief Executive Officer of CNP Assurances

“In the first half of the year, we opened a new chapter with the launch, last March, of our new strategic plan, Lead for Impact. On the strength of this ambition, the Group is accelerating its development by diversifying its distribution channels, intensifying its operational and technological transformation and consolidating its global leadership in sustainability.

Our strategy is already delivering tangible results, with the signing of new key partnerships across Europe. In France, we accelerated with the launch of Lucya CNP, which is particularly promising in savings, and the successful tenders won for the City of Paris in group personal risk. In Italy, we  continued 
the development of the open model with the signature of the exclusivity agreement between CNP Assicura and Fineco. As part of our technological transformation approach, all our employees are equipped with artificial intelligence tools at all levels of the Company in support of customer satisfaction, which remains at the heart of our priorities.

Premium income is at a high level thanks to the performance of La Banque Postale’s network and the social protection calls for tenders won in 2025. This performance contributed to our Group’s solid results.
We are also very proud of our commitment to the third part of the Tibi programme with €1 billion announced last June. In total, we will have invested €3 billion in the entire programme in the service of technological, digital and defence sovereignty. As a responsible insurer, we continue to strengthen our global leadership in sustainability, as demonstrated by MSCI’s reaffirmation, for the second consecutive year, of its highest possible AAA rating. »

1 The premium income indicator is a non-GAAP indicator. As of 30 June 2025, it was pro forma for the CNP Assicura scope. It does not include data related to the Consórcio. 
2 At constant scope and exchange rates.
3 A French initiative intended to strengthen the financing of European companies to promote innovation, the ecological transition and industrial sovereignty.

 

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