organizationAn innovation-focused
1973
France1989
ItalySpainBelgium
1991
UnitedKingdom
1994
Luxembourg1995
IrelandNetherlands
1996
CzechRepublicPoland Germany
1997
AustriaChileArgentinaSouth Africa
1998
PortugalSwedenTaiwan
Over 7,000 employeesin 42 countries
2
NORTH AMERICACanadaUnited States
LATIN AMERICAArgentinaBrazilChiliColombiaMexicoPeru
1999
USA2000
BrazilSlovakiaJapan
2001
IndiaSouthKorea
2002
HungaryThailand
2003
RussiaChina*
2004
Switzerland2005
Vietnam* Mexico
2006
PeruAlgeriaBulgariaRumania
2007
CanadaColumbiaCroatiaDenmarkNorwayTurkeyUkraine
3
EuropeAustriaBelgiumBulgariaCroatiaCzech RepublicDenmarkFranceGermany
HungaryIrelandItalyLuxembourgNorwayNetherlandsPolandPortugalSpain
RumaniaRussiaSlovakiaSwedenSwitzerlandTurkeyUkraineUnited Kingdom
AFRICAAlgeriaSouth Africa
ASIAChina*IndiaJapanSouth KoreaTaiwanThailandVietnam*
(*) Representative office.
4(*) Percentages of Direct and Indirect Shareholding.
Cardif Assurance Vie(100%*) with international branches
Cardif-Assurances Risques Divers(100%*) with international branches
International subsidiaries
Natio Assurance (50%*) with AXA
BNP PARIBAS ASSURANCE
LegalStructure
5
Main subsidiaries and branches outside France
EUROPEAustriaCardifBranches*
BelgiumCardif Leven 100%Branches*
BulgariaCardifBranches*
CroatiaCardif Osiguranje 100%
DenmarkBranches of Cardif Försäkring and of Cardif Livförsäkring
Czech RepublicCardif Pro Vita 100%
GermanyCardifBranches*
HungaryCardif Insurance Hungary 100%Cardif Life Insurance Hungary 100%
IrelandBranch of Pinnacle Insurance
ItalyCardif Assicurazioni 100%Centrovita 49% (51% Gruppo Banca CR Firenze)Branches*
LuxembourgInvestlife Luxembourg 67%(33% BNP Paribas Luxembourg)
NorwayBranches of Cardif Försäkring and of Cardif Livförsäkring
NetherlandsCardif Nederland Holding 100%Cardif LevensverzekeringenCardif Schadeverzekeringen
Poland**CardifBranchCardif Polska 100%Pte Pocztylion 33%(33% Poczta Polska, 33% Arka Invesco)Cardif ADM 100%PAUF 40% (60% Poczta Polska)
PortugalCardifBranches*
SpainCardifBranches*
RumaniaCardif Asigurari 100%
United KingdomCardif Pinnacle Insurance Holdings 99%Pinnacle InsuranceFinancial Telemarketing Services
RussiaCardif Insurance 100%
SlovakiaCardif Slovakia 100%
SwedenCardif Nordic 100%Cardif FörsäkringCardif Livförsäkring
SwitzerlandCardifBranches*
TurkeyCardif Hayat 100%Cardif Sigorta 100%
UkraineCardif Life 100%Cardif 100%
ASIAChina
Representative officesShanghai, Pékin, Hong Kong
IndiaSBI Life 26%(74% State Bank of India)
JapanCardifBranches*
South KoreaSH&C Life Insurance 50%(50% Shinhan Group)
TaiwanCardif Branches*
ThailandThai Cardif Life Assurance25% (50% Thai Life Group)
VietnamCardif Assurance VieRepresentative officesHanoi
AMERICASNorth AmericaCanadaBranches*Cardif Services 100%
United StatesCardif Holdings 100%Cardif Life InsuranceCardif Property & CasualtyCardif Services
AFRICAAlgeriaCardif El Djazaïr 100%
South AfricaCardif Pinnacle Insurance Holdings (1)
Pinnafrica LifePinnafrica Insurance
ColombiaCardif Colombia Seguros Generales 100%Cardif Colombia Servicios 100%
MexicoCardif Mexico Seguros de Vida 100%Cardif Mexico Generales 100%Cardif Servicios 100%
PeruCardif del Perú 100%Cardif Servicios 100%
*Branches of Cardif Assurance Vie & Cardif-Assurances Risques Divers. ** Branch of Cardif-Assurances Risques Divers.(1) Cardif Pinnacle Insurance Holdings Subsidiaries.
Latin AmericaArgentinaCardif Seguros 100%Cardif Servicios 100%
BrazilCardif do Brasil e Previdencia 100%Cardif do Brasil Seguros e Garantias 100%LuizaSeg 50% (50% Magazine Luiza)
ChiliCardif Vida 100%Cardif Generales 100%Cardif Servicios 100%Cardif Extensión de Garantía 100%
6
Audit
Frédérique Chambrion
IFAs Network
Roger Mainguy (1)
BDDF* Savings Investment & Advisory
Hervé Cazade (1)
Retirement Schemes& Protection
Fabrice Couturier
Protection BDDF*
Dominique Roucher de Roux (1)
Savings Partnerships
Alban Le Maire
Markets & Products
Laurence Benoît-Hontarrède (1)
Public AffairsHigh Networth Private
Customers
Jean-Michel Buguet
Employees retirement Savings Plans**
Jean-Marc de Courson
Patrimoine Management et Associés
André Camo
Coordination BusinessAnalysts
Bertrand Claverie
Home and care services
Bruno Leresche
IFAs Network & Partners
Stanislas Chevalet (1) Virginie Korniloff (1)
BNP Paribas Network
FRANCE
Business Risk Management& Compliance
Jean-François Bourdeaux (1)
Legal & Tax affairs
Odile Boitte (1)
INTERNATIONAL
Renaud Dumora (1)
Latin AmericaMichel Dubernet
AsiaVincent Pacaud
Ukraine, RussiaPhilippe Allemand
Middle East, AfricaPaul Younès
Jean-Bertrand Laroche (1)
Head Office Coordination
Guylaine Dyèvre (1)
Éric Lombard (1)
Pierre de Villeneuve (1)
Northern EuropeNorthern AmericaOlivier Cortès
Southern EuropeIsabella Fumagalli
British IslandsSouth AfricaPaul Glen
Central EuropeXavier Guilmineau
OrganizationChart
Vincent Sussfeld
7
Global Savings
Jean Proust (1)
Savings Asia
Denis Wallerich
Marketing & Development
Pascal Perrier
Finance & Actuarial Affairs
Didier Féderlé
India
Pier Paolo Dipaola
Global Partnerships
Chris Schwick
Protection
Jean Orgonasi (1)
Actuarial Affairs
Jacques Faveyrol
Finances & Reinsurance
Rémi Esclattier
Marketing & Development
Chris Murphy
Corporate Secretary
Michel Piano (1)
Human Resources
Marie-Christine Barjolin (1)
Corporate Communication
Laurence Pessez (1)
Corporate Social Responsibility
Laurence Pessez (1)
Jean Bégo (1)
Opérations & IS
Information & Systems
Philippe Renault (1)
Back Office Savings & Corporate
Vincent Duret
Organisation & Quality
Éric Le Corre
IS Project individualSavings France
Financial Back Office
Josette Varlet
Charlotte Dennery (1)
Finance
Mergers Acquisitions & EEV
Dominique Barthalon (1)
Accounting
Bernard Bolle-ReddatMurielle Puron Chambord
IT Business Analyst(finance)
Dominique Reghem
Planning & Controls
Florence Le Got
Asset Management
Olivier Héreil (1)
Back office Protection
Claire Creuzot
International Operations
Pascal Confavreux (1)
Development & Strategy
Gérard Binet (1)
Boldfaced names are members of the Executive Committee.(1) Members of the General Management Committee and/or members of the International Strategy Committee.(*) BDDF: French Retail Banking.(**) With BNP Paribas Asset Management.
Anne Cavalière
Innovation & KnowledgeManagement
Ian Poinsenet
8
Olivier Cortès
IsabellaFumagalli
BelgiumOlivier SansonChaussée de Mons, 14241070 AnderlechtTel.: + 32 2 528 00 00Fax: + 32 2 528 00 01
NetherlandsCees de JongHoevestein 284903 SC OosterhoutTel.: + 31 162 486 000Fax: + 31 162 486 001
GuyMeyskens
DenmarkJan PedersenMölndalsvägen 93Box 24110400 22 GöteborgTel.: + 45 31 22 43 89
NorwayKarin SmithFornebuveien 71366 LysakerTel.: + 47 934 01 798Fax: + 47 22 82 95 17
SwedenJan De GeerMölndalsvägen 93 Second Flor400 22 GöteborgTel.: + 46 0 31 70 798 70 Fax: + 46 0 31 70 798 79
Fabrizio FalsettiCENTROVITA*Via Ricasoli, 950122 FlorenceTel.: + 39 055 277 691Fax: + 39 055 210 597
Isabella FumagalliLargo Toscanini, 1(Angolo Piazza San Babila) – 20122 MilanTel.: + 39 02 77 22 41Fax: + 39 02 77 22 42 66
Filippo NobileLargo Toscanini, 1(Angolo Piazza San Babila) – 20122 MilanTel.: + 39 02 77 22 41Fax: + 39 02 77 22 42 66
Ana IvancicIvana Lucica 2A10 000 ZagrebTel.: + 385 1 5393 100Fax: + 385 1 5393 111
PortugalMiguel RibeiroAv. 5 de OutubroN°206 – 6° Piso1050-065 LisbonneTel.: + 351 21 382 55 40Fax: + 351 21 382 55 44
AntoineLecomte
Ignacio Sainz de Medrano
Belgium, Netherlands
Fabrice Bagne33 rue de GasperichBP 691L-2016 LuxembourgTel.: + 352 26 21 41Fax: + 352 26 214 9371
Luxembourg
Manny MillorCardif Holdings, Inc.14000 SW 119th Av.Suite 207Miami, FL 33186Tel.: + 1 305 234 1771Fax: + 1 305 234 1774
USA
Manny Millor36 York Mills RoadSuite 500P.O. Box 300Toronto ON – M2P 2E9Tel.: + 14 16 2253800Fax: + 14 16 2256512
Canada
Denmark,Norway,Sweden
Southern Europe
Northern Europe and Northern America
Italy Spain, Portugal
Croatia
InternationalOperations
François Gazel Anthoine
SpainIgnacio Sainz de MedranoC/Julián Camarillo21A – 4° Planta28037 MadridTel.: + 34 91 590 30 01Fax: + 34 91 590 30 07
9
Lothar Huber
Germany,Austria,Switzerland
Central Europe
Renaud Dumora
Benjamin KallayKorhaz u. 6-12H – 1033 BudapestTel.: + 36 1 430 2300Fax: + 36 1 430 2301
Zdenek JarosNa RybnièckuCenter 1329/5120 00 Prague 2Tel.: + 420 2 96 368 888Fax: + 421 2 96 368 880
Mario Kostov2 Tzar Osvoboditel Blvd Sofia, 1000Tél. : + 359 2 921 85 39Fax: + 359 2 921 86 25
Jan Eymeryk RosciszewskiUI. Nowogrodzka, 1100-513 VarsovieTel.: + 48 22 529 01 23Fax: + 48 22 529 01 11
GermanyDavid FurtwänglerFriolzheimer Strasse 6D-70499 StuttgartTel.: + 49 7 11 8 20 55-0Fax: + 49 7 11 8 20 55-499
Paul GlenPinnacle HouseA1, Barnet WayBorehamwoodHertfordshire WD6 2XXTel.: + 44 208 207 90 00Fax: + 44 208 953 62 22
United Kingdom
Willem LombaardCurzon PlaceTurnberry Office Park48 Grosvenor RoadBryanston – 2021Tel.: + 27 11 244 13 00Fax: + 27 11 244 13 01
South Africa
Poland
Hungary
Czech Republic
Bulgaria
Rumania
5, George DockIFSC Dublin 1Tel.: + 35 3 1 612 53 80Fax: + 35 3 1 612 53 83
Ireland
Xavier Guilmineau
Paul Glen
AustriaWolfgang TroedhahnRotenturmstrasse 16-18A-1010 VienneTel.: + 43 1 533 98 78Fax: + 43 1 533 98 78 40
Peter DudakBratislava Business Centrum VPlynarendska 7/C821 09 BratislavaTel.: + 421 2 58 24 00 11Fax: + 421 1 58 24 00 19
SuisseRaffael MaianiSeehof Strasse 6Postfach CH – 8024 ZürichTél. : + 41 43 268 82 10Fax : + 41 43 268 82 20
Slovakia
British Islands and South Africa
Europe and North America
Carmen BahrimBulevardul Dacia 153-1552nd DistrikBucarestTel.: + 40 31 226 1111Fax: + 40 31 226 1100
■ * Joint Ventures Insurance Companies.
10
Gustavo CicinelliAv. Alicia Moreau de Justo170 Piso 3 – 1107 Capital FederalBuenos AiresTel.: + 54 1 14 316 42 00Fax: + 54 1 14 316 42 41
Benjamin QuijandriaAvenida Canaval y Moreyra380 Piso 1101San Isidro – Lima, 27Tel.: + 511 615 1700Fax: + 511 615 1721
Claudio OrellanaPaseo de las Palmas 425Piso 5 - Lomas de Chapultepec11000 Mexique, D.F.Tel.: + 52 55 22 82 20 00Fax: + 52 55 22 82 20 01
Jorge HernandezWorld Trade CenterCalle 100 No 8A-55 Torre CPiso 10 – BogotáTel.: + 571 6386452Fax: + 571 6211565
Francisco ValenzuelaVitacura 2670. Piso 14Las CondesSantiagoTel : + 56 2 370 48 00Fax: + 56 2 370 48 77
Michel Dubernet
Latin America
Chile
Argentina Columbia
Mexico
Peru
Alexandre BocciaRua Campos Bicudo 984° andar04536-010 São Paulo – SPTel.: + 55 11 3089 1100Fax: + 55 11 3089 1177
Luis Felipe CozacLUIZASEG*Rua Campos Bicudo, 984° andar04536-010 São Paulo – SPTel.: + 55 11 3089 1103Fax: + 55 11 3089 1176
Brazil
Ukraine
Oleg Romanenko8, Illinska Str.KievTel.: + 38 044 428 61 61
Konstantin Kozlovul. Timiryazevskaya 1,Moscow, 127422Tel.: + 7 495 661 44 85Fax: + 7 495 661 44 87
Ukraine/Russia
Philippe Allemand
Russia
11
Ping HuangRm 1105 11F North TowerShanghai Stock ExchangeBuilding n°528 - Pudong Road (s)Shanghai 200122Tel.: + 86 21 6880 85 80Fax: + 86 21 6880 01 66
Hervé GiraudonSH&C*Seoul City Tower Bldg - 4th Floor581 Namdaemunro 5-gaJung-gu, Séoul 100 083Tel.: + 822 37 88 88 07Fax: + 822 37 88 88 08
Ben Ng18th FloorNo 270, Chung Hsiao E.RdSec. 4 – 106, TaipeiTel.: + 886 2 6636 3456Fax: + 886 2 6636 3457
Visidh TangkanangnukulTHAI CARDIF LIFE ASSURANCE CO*36/11, 36/59-62 PS Tower G and 18th FloorSukhumvit 21 Road North-Klongtoey WattanaBangkok 10110Tel : + 66 0 2645 8500Fax: + 66 0 2645 8585
Michel DiennardOpera Business Centre8th Floor, suite 80260 Ly Thai To StreetHanoi – VietnamTel.: + 84 4 825 99 09Fax: + 84 4 825 97 84
Jun Aoki9th Floor Infoss Tower20-1 Sakuragaoka-cho,Shibuya-ku – Tokyo 150-0031Tel.: + 81 3 6415 6340Fax: + 81 3 6415 6346
Yilmaz YildizAskerocagi Caddesi Suzer Plaza Kat: 15Elmadag 34367Sisli – IstanbulTél.: + 90 212 292 73 00
François-Xavier HussenotRésidence ZamounRue du 11 décembre 196016606 AlgerTel.: + 213 017 06 20 07Fax: + 213 017 06 20 11
■ * Joint Ventures Insurance Companies
Vincent Pacaud
Paul Younès
SBI Life*2nd Floor Turner Morrison BuildingG.N. Vaidya Marg.Fort Mumbai 400 023Tel.: + 91 22 56 39 20 11Fax: + 91 22 56 39 20 12
Pier Paolo Dipaola US Roy
Asia
Middle East and Africa
China
South Korea
VietnamJapan
Taiwan
Thailand
TurkeyAlgeria
Jean-Bertrand LarocheLatin America, Asia, and Emerging markets
India
CENTRAL-EASTERN FRANCEREGIONAL OFFICESChristophe Vanhuyse
AnnecyCentre Atria1, avenue Berthollet74000 AnnecyTel.: 04 50 45 49 48Fax: 04 50 45 44 73
DijonThierry Roux19, rue du ChâteauBP 3119521011 Dijon CedexTel.: 03 80 44 16 80Fax: 03 80 50 11 45
GrenobleGeorges Ferrandez2, rue Vauban38031 Grenoble Cedex 1Tel.: 04 76 86 38 80Fax: 04 76 86 38 81
LyonMichel Pertet5, place Kléber69006 LyonTel.: 04 72 74 18 18Fax: 04 72 74 18 20
NORTHEAST FRANCEREGIONAL OFFICESÉmile Moreau
LilleOlivier Ledrole60, rue NationaleBP 47559021 Lille CedexTel.: 03 20 15 12 56Fax: 03 20 74 80 18
Nancy34, rue Stanislas54042 Nancy CedexTel.: 03 83 36 31 20Fax: 03 83 36 31 29
Reims2, rue CarnotBP 28051060 Reims CedexTel.: 03 26 04 79 70Fax: 03 26 04 79 75
Rouen47, rue des Fossés-Louis-VIII76012 Rouen CedexTel.: 02 32 76 06 26Fax: 02 32 76 06 33
StrasbourgÉmile Moreau20, place de BroglieBP 1000467083 Strasbourg CedexTel.: 03 88 52 15 00Fax: 03 88 25 12 63
WESTERN FRANCEREGIONAL OFFICESLucien Le Borgne
Brest4, place de la Liberté29200 BrestTel.: 02 98 46 57 58Fax: 02 98 44 13 50
La Rochelle22, rue de l’Ouvrage-à-CornesBP 8717004 La Rochelle Cedex 1Tel.: 05 46 41 31 82Fax: 05 46 41 07 89
Le MansFrancis SionneauNovaxis 22, allée des Gémeaux72019 Le Mans CedexTel.: 02 43 57 72 80Fax: 02 43 28 97 48
NantesPierre Orval2 ter, place GraslinBP 3121644012 Nantes Cedex 1Tel.: 02 51 84 98 20Fax: 02 40 69 24 80
RennesJean-Marie Bohler9, place du Parlement de BretagneCS 9642635064 Rennes CedexTel.: 02 99 78 57 00Fax: 02 99 79 76 13
Tours15, bd BérangerBP 2142737014 Tours Cedex 1Tel.: 02 47 64 20 25Fax: 02 47 61 14 49
GREATER PARISREGIONAL OFFICESMarianne Granger41, av. de FriedlandBP 36675367 Paris Cedex 08Tel.: 01 53 53 88 88Fax: 01 53 53 88 99
SOUTHEAST FRANCEREGIONAL OFFICESFranck Jaillet
MarseilleFranck Jaillet24, cours Pierre-Puget13291 Marseille Cedex 06Tel.: 04 96 11 30 00Fax: 04 96 11 30 01
MontpellierRoger Clavel9, bd Sarrail34061 Montpellier Cedex 02Tel.: 04 67 60 06 60Fax: 04 67 60 06 67
NiceGilles Fraselle45, promenade des Anglais06045 Nice Cedex 1Tel.: 04 92 15 23 50Fax: 04 92 15 23 60
SOUTHWEST FRANCEREGIONAL OFFICESAlain Langaud
BayonneJean-Jacques Mailharro28, rue Lormand64105 Bayonne CedexTel.: 05 59 59 74 93Fax: 05 59 25 52 36
BordeauxChristine Grisel Lagleyze34, allée d’OrléansBP 56133005 Bordeaux CedexTel.: 05 56 79 89 89Fax: 05 56 79 89 87
Limoges49, avenue GaribaldiLe Concorde87000 LimogesTel.: 05 55 12 13 80Fax: 05 55 12 13 81
ToulouseBertrand de Courrèges d’Agnos6, place du Président-WilsonBP 60431001 Toulouse CedexTel.: 05 62 30 17 00Fax: 05 62 30 17 01
FRENCH OVERSEAS DEPARTMENTS AND TERRITORIESBernard Le Rol
Cardif Networkin France
Roger Mainguy
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