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| Additional information |
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| CNP Assurances |
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Overview:
CNP has been the leading personal insurance company in France since 1991, with premium income of €32.6 billion in 2009.
With 150 years' experience in the business, CNP is renowned for its specialist know-how. The company's ambition is to offer to each and every one of its 22 million policyholders, including 14 million in France, high quality products to protect them against the risks of everyday life and to meet their savings needs in each phase in their life.
CNP has been quoted on the monthly settlement market of the Paris Bourse since October 1998. The significant interests held by its long-term partners* provide a stable shareholder base. The Company's current ownership structure is as follows:
Caisse des dépôts : 40 %
Sopassure : 35.48 % (Sopassure, a holding company owned by La Banque Postale and BPCE)
Public : 23.43 %
French State: 1.09 %
* : The French State, la Caisse des dépôts, la Banque Postale et les Caisses d'épargne
CNP is involved in three main segments of the personal insurance market - savings, pensions and personal risk. Drawing on its many years of experience in managing risks, CNP has developed a complete range of products and services, in both individual and group insurance, that are closely tailored to market needs. In a constantly changing environment, the Company has become skilled at anticipating social trends in the areas of healthcare, long-term care, private pensions and personal services.
Through CNP Services à la Personne banner and its two personal services subsidiaries, Filassistance International and Age d'Or Services, CNP offers a full range of personal support and assistance services. The activities and products it has developed to maintain contacts with the outside world, to fight against precariousness and increase the safety of the ederly, are part of its policy of sustainable development and social responsability.
CNP's distribution strategy is based on partnerships with major institutions in France. The alliances it has forged, often underpinned by capital ties, are designed to combine CNP's expertise as an insurer with the distribution capabilities of its partners.
In individual insurance CNP distributes its products through the Post Office and the Savings Bank networks, which together represent more than 20 000 outlets. Since 2004, CNP has its own financial advisor network : CNP Trésor.
In collective insurance, CNP is a partner to more than 250 financial institutions of all sizes. Il also brings its expertise to large mutual insurance companies, 17 000 local government offices and some 1000 companies.
In international markets, CNP is pursuing a targeted growth strategy that focuses on exporting our leading edge competence through partnerships and acquisitions. The company currently has operations in Italy, Portugal, Spain, Argentina, Brazil and China. It contributes to its international partners, its experience in bancassurance and personal insurance, its business model based on distribution partnerships, its asset/liability management skills and its expertise in managing policyholder relations.
In the area of sustainable development, CNP is committed to acting as a responsible corporate citizen. This commitment is embodied in policies that combine business efficiency with social responsibility and environmental protection. As a responsible investor, CNP implements asset management strategies that combine security and performance. As a responsible insurer, it contributes to combating social exclusion by structuring each of its ranges to meet the needs of clients in all income brackets and applying the strictest ethical standards.
Since 1988, CNP has been implementing a sponsorship and philanthropy policy that reflects its corporate identity and values, by supporting initiatives to improve access to healthcare and raise the sensitivity of palliative care programmes. The CNP Health Foundation (Fondation CNP pour la Santé), which operates under the aegis of Fondation de France, supports general interest projects dealing with methods of disease prevention and patient care, as well as medical research. The current focus is on pain relief. |
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