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• BNP Paribas Cardif in Romania
• Company Profile
• Bancassurance Model
• Mission
• Values
• CSR
• Management
• Careers

• BNP Paribas Cardif worldwide
• Presentation
• Business Lines
• The Bancassurance Expert

• BNP Paribas Group
• Presentation
• BNP Paribas Subsidiaries

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• 2009 Annual Report
• 2010 Annual Report

Company profile

BNP Paribas Cardif is the insurance arm of BNP Paribas Group. It develops and markets savings and protection products and services via multiple partners.

BNP Paribas Cardif in Romania started its activity on the local market in January 2007, through the distribution of life insurance products through the subsidiary Cardif Asigurări SA. Starting with February 2008, BNP Paribas Cardif began as well its activity in general insurance in Romania, based on the principle of the free circulation of services.

Since 2009, BNP Paribas Assurance has operated in Romania through its branches Cardif Assurance Vie (for life insurance products) and Cardif Assurances Risques Divers (for general insurance products). These two entities are totally dedicated to bancassurance partnerships, the business model used being Business to Business to Consumer (B2B2C).

The thorough knowledge of the Central and Eastern European market gives the advantage to anticipate the trends and the development of the local financial market, so that BNP Paribas Cardif Romania is confident in the success of its commitment in Romania.

BNP Paribas Cardif in Romania develops and sells protection products as well as the related services through the intermediary of banks, consumer credit companies and leasing companies to individual or group customers. The cooperation between BNP Paribas Cardif and the financial institutions constitutes the source of its force and uniqueness, while the characteristics of the insurance products provided by the company allow the easy implementation of these ones, together with the partners' products.

The experience of the company in the bancassurance field contributes significantly to providing insurance products to meet its clients' expectations and needs. BNP Paribas Cardif in Romania is not a simple provider of insurance products, but it brings added value to its partnerships by implementing a profit centre and by supplying high-quality and professional services.

The main objective of BNP Paribas Cardif on the Romanian market is to distinguish itself as a specialist for the insurance products related to credit activity, products which imposed BNP Paribas Cardif as a leader on the international market.