New Business Organisation
BNP PARIBAS
Creditor insurance GWP
Development Plan
Creditor Insurance
Lower penetration of creditor
insurance
Higher risk client perception (1 low - 10 high)
7.3
Critical illness
8.4
9,000
8,000
7,000
6,000
5,000
4,000
3,000
Spain
Netherlands
2,000
Italy
7.0
⚫UK
Germany
Death
18.3
6.6
Unemployment
7.5
6.6
France
Accidents
7.4
6.4
1,000 Portugal
Belgium
0
0
20
40
60
80
100
Accident family member
4.9
Unexpected spending
5.1
4.6
Divorce
5.1
Italy
Europe
Sources: TNS Sofres - 2005
8.0
BNL
Grupp BNP PARIBAS
Population (mn)
Sources: Finaccord / Sigma, BNP Paribas Assurance, 2004
Capitalise on Cardif unique expertise on credit protection insurance
• Increasing market potential
Enlarged Cardif creditor insurance offering for BNL clients
■Leverage BNL potential in "creditor insurance" on mortgages,
personal loans and credit cards
Development of individual protection offering
Asset Management and Services
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