• Marc-André Feffer • Jean-Yves Forel • Franck Silvent • olivier Mareuse(3)
- CNP Assurances: 3,095. - Consolidated subsidiaries – France and international: 1,714. - Percentage under permanent contracts (CNP Assurances and consolidated subsidiaries): 96%. - training budget (CNP Assurances and consolidated subsidiaries): 4.4% of total payroll. - Percentage of women managers (CNP Assurances and consolidated subsidiaries): 28.9% .
- greenhouse gas emissions generated by business travel (CNP Assurances) reduced by 26% since 2009.
• Accompany our partner networks as they move to multi-channel distribution.
statements, certificates and tax forms, allowing them to answer customer questions immediately. Moreover, customers can consult information about their policy at any time via the partners’ websites.
the cnp Assurances service quality in a mature market, the service offered to the distribution networks and to policyholders is a major source of competitive advantage. We are investing in our information systems in order to share information more rapidly for the benefit of policyholders. The project to deploy end-to-end paperless solutions is moving forward. This project is based on an integrated cooperative process extending from the agent to the partner’s back-office up to CnP Assurances’s policy administration departments and expert units. in this way, everyone in the information chain has a comprehensive vision of the policyholder account and the information related to the transactions in process, whatever the entry point: agent, telephone, fax, post or the internet. The partner networks’ insurance advisors have online access, directly from their workstation, to the policy
3rd largest life insurer in Europe no.1 term creditor insurance provider in France thanks to multi-distributor and multi-channel distribution
• micro-enterprises and smEs: provide supplementary health, death and disability insurance cover for all employees
• Long-term care insurance: help insureds to stay healthy now and in the future.
For example, the Amparo contract offering broad coverage in the event the family breadwinner dies, causing an abrupt loss of revenue, starts at bRL 2.50 per month (less than €1), or bRL 30 per year (less than €12). it takes just a few seconds to purchase cover for the cost of the funeral, along with comprehensive support services, a cash allowance, food aid for three innovations to insure all our futures
signature of the Association Française de l’Assurance’s sustainable development charter commitments structure the Group’ CsR approach: • Providing long-term support for employees
a healthy set of results Group revenue for the year increased by 2.1% to €3.2 billion.
Massive support for large companies With over €44 billion(1) invested in large French companies, CNP Assurances is a key partner in their domestic and international growth. the Group holds some €35 billion in corporate bonds issued by companies operating in a wide range of industries, such as luxury goods, manufacturing, retail, banking and telecommunications, including some of the leading exporters. We also hold some €9.3 billion worth of shares issued by French companies operating for example in the energy, automotive, food and beauty industries. With a direct stake in their future, we talk regularly to these companies and systematically vote at their shareholders’ meetings.
jobs and attracting foreign investment. in 2013, the launch of the Novo bond funds provided a new source of financing for sMes and mid-tier companies. the first two large Novo funds have received capital commitments of around one billion euros, from Caisses des Dépôts and 17 leading insurance companies including CNP Assurances. We invested €100 million in 2013, demonstrating our commitment to resolutely supporting the real economy.
developing an integrated risk management process these developments led us to further strengthen our risk monitoring and management systems by creating a Corporate Risk Management unit. the unit will be tasked with ensuring that risk assessment, decision-making and monitoring processes are applied consistently for all operational, financial and technical risks. it will also oversee compliance with the principle of double checking by a person independent from the managers concerned. However, the unit’s fundamental role will be to ensure that CNP Assurances’s strategic ambitions are compatible with the Group’s capital.
immediate measures to promote well-being in the workplace the action plan to be implemented over the next two years will focus notably on promoting broader application of good managerial practices, ensuring that human resources processes are widely perceived for the proportion of women in key positions.