BNP Paribas Cardif
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €96m of premium, +7.2% on H1 2025 (market +6.9%); share 2.2% (±0.0 pp), #9 of 23. On ČAP's basis, which counts life single premiums at a tenth; the full years are SFCR written premium. More
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BNP Paribas Cardif's line mix, and where it stands among the 22 insurers in Czechia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Czechia with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| UNIQA pojišťovna | 7.6% | 7.4% | 7.5% | 7.7% | 7.3% |
| Komerční pojišťovna | 4.7% | 4.1% | 3.5% | 3.4% | 3.6% |
| BNP Paribas Cardif | 1.9% | 2.0% | 2.0% | 2.1% | 2.2% |
| MetLife Europe (branch) | 1.9% | 1.8% | 1.7% | 1.6% | 1.6% |
| Simplea pojišťovna | 0.3% | 0.4% | 0.5% | 0.5% | 0.6% |
Lines and claims
Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.
All figures
Claims and costs over time
Savings and protection in life
Life premium by kind
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Also in the BNP Paribas group
5 companies in 4 markets · €344m premium, latest year
Ownership and events
Company details
- Legal name
- BNP PARIBAS CARDIF POJIŠŤOVNA, A.S.
- Registered seat
- Prague, Czechia
- Website
- cardif.cz
- Employees
- 84 (2024; 80 in 2021, 78 in 2022, 86 in 2023)
- Premium per employee
- €1.88m (FY 2024; median for composite insurers in Czechia: €709k; all insurers)
Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: headcount each member reports to the Czech Insurance Association (ČAP) in the member tables of its annual report, 2021–2024; UNIQA and NN's branch are not counted: they report so few employees for their premium that most of their work is done by staff of other group companies.
Questions about BNP Paribas Cardif
Short answers from the figures on this page.
What is BNP Paribas Cardif's market share in Czechia?
BNP Paribas Cardif wrote €183m of premium in FY 2025, 2.2% of all premium in Czechia, ranking #9 of 22 insurers; its premium grew 13.9% on FY 2024 in CZK.
Who owns BNP Paribas Cardif?
BNP Paribas Cardif is part of the BNP Paribas group, which has 5 companies in 4 of the 18 markets on Polisa (FY 2025).
What does BNP Paribas Cardif sell?
BNP Paribas Cardif is a composite insurer; its largest lines in FY 2025 are life insurance (48.7% of its premium), property (39.0%) and other non-life (7.8%).
Is BNP Paribas Cardif well capitalised?
BNP Paribas Cardif's SCR ratio was 141% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 183% for the insurers in Czechia.
Is BNP Paribas Cardif profitable?
BNP Paribas Cardif made a net profit of €11.6m in FY 2025, a return on equity of 14.9%; its non-life combined ratio was 94% after reinsurance.
Is BNP Paribas Cardif growing?
BNP Paribas Cardif's premium grew 13.9% in CZK in FY 2025, faster than the market in Czechia (+7.5%).
Sources for this page
Premium and lines: the domestic insurer's SFCR for FY 2025 (S.05.01 written premium, without statutory employer liability; Generali ČP and UNIQA without their Slovak branches), FY 2021–2024 from the SFCRs of those years; branches of foreign insurers: ČAP member statistics (Předepsané pojistné členů). Claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01, S.04.05 and S.23.01; for FY 2021–2024 from the SFCRs of those years. How these numbers are built.
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CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). BNP Paribas Cardif (Czechia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/cz-bnp-paribas-cardif
BibTeXShow entry
@misc{polisa_insurers_cz_bnp_paribas_cardif_2026,
author = {{Polisa}},
title = {BNP Paribas Cardif (Czechia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/cz-bnp-paribas-cardif}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ČAP (no re-use terms published), ČNB (free with credit, unaltered), insurers' SFCRs (public disclosures, linked).