BNP Paribas Cardif is the Life, Property & Casualty insurance subsidiary of BNP Paribas. Established in 1973 in France, Cardif is one of the first French insurance companies to sell products through banks, credit companies, mass retailers and IFAs. In 1989, Cardif began developing its business model outside of France to market insurance products and services via multiple partners. Present in 36 countries, and with a diversified geographic footprint, BNP Paribas Cardif has strong positions in Europe, Latin America and Asia.

BNP Paribas Cardif is one of the top 10 European insurers. In 2011, it had gross written premiums of 23.3 billion euros and 53% of its gross written premiums are generated outside France. It counts nearly 10,000 employees, 70% of which outside France.

BNP Paribas Cardif is committed to generating additional and substantial profits for its partners. One of the most distinctive strengths of BNP Paribas Cardif is its ability to:

* Forge new partnerships,

* Continually create innovative products and services,

* Be flexible in meeting local business requirements (agreements with market leaders, turnkey             
   solutions through telemarketing or cooperation within the framework of joint ventures),

* Launch operations in new countries.

Cardif Taiwan, started its operation in 1998 is now the 1st largest bancassureur in unit linked products. In 2011, Cardif Taiwan generated NT$36.7 billion in gross premiums and is ranked 30th in Taiwan Top 100 Financial Companies by Commonwealth Magazine Survey.