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

Cardif is a bancassurance specialist. It works with 35 of the world's top 100 banks, numerous financial institutions, which include credit companies, credit arms of car makers and major retail groups.

It has created joint ventures with major players, including the State Bank of India - India's largest bank, Magazine Luiza - one of Brazil's biggest retail chains, Shinhan Financial Group - Korea's No.2 bank, and in 2008, expanded its portfolio with Vietcom Bank - the leading state bank in Vietnam - and SeAbank, and Taiwan Cooperative Bank - the No.2 bank in Taiwan.

• Banks, financial institutions and retailers.
• BNP Paribas Retail banking (in France, Italy, Belgium, Turkey, Ukraine and Luxembourg).
• Alternative channels: networks of independant financial advisors, brokers or Internet.

One of the most distinctive strengths of Cardif is its ability to:

• propose tailor-made products to meet partners needs;
• forge partnerships and generate additional and substantial profits for its partners;
• answer the customer's demands in terms of quality of service and transparency through its Customer Centric Programme

Cardif is committed to Corporate Social Responsibility at many levels such as supports for local development in the countries where it operates, and protection of the environment (targeting a 10-percent reduction in the company's carbon emissions by 2010).

It has also adopted a Socially Responsible Investment program and encouraged diversity throughout the enterprise.