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: €30m of premium, +24.0% on H1 2025 (market +5.2%); share 1.7% (+0.3 pp), #11 of 13. More
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BNP Paribas Cardif's line mix, and where it stands among the 13 insurers in Slovakia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Slovakia 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 |
|---|---|---|---|---|---|
| MetLife Europe (branch) | 4.6% | 4.4% | 4.2% | 4.0% | 3.9% |
| Union poisťovňa | 3.0% | 4.4% | 4.3% | 3.8% | 3.7% |
| Komunálna poisťovňa | 4.5% | 4.2% | 4.0% | 3.9% | 3.7% |
| Wüstenrot poisťovňa | 2.1% | 2.0% | 1.9% | 2.0% | 2.3% |
| BNP Paribas Cardif | 1.4% | 1.4% | 1.6% | 1.6% | 1.7% |
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 POISŤOVŇA, A.S.
- Registered seat
- Bratislava, Slovakia
- Website
- bnpparibascardif.sk
- Employees
- 47 (2025; 44 in 2024)
- Premium per employee
- €1.14m (FY 2025; median for composite insurers in Slovakia: €817k; 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: average number of employees in full-time equivalents over the year, from the notes to insurers' financial statements in the Register of Financial Statements (registeruz.sk) and their 2025 annual reports; ČSOB gives only its headcount at 31 December, and branches of foreign insurers publish no Slovak staff.
Questions about BNP Paribas Cardif
Short answers from the figures on this page.
What is BNP Paribas Cardif's market share in Slovakia?
BNP Paribas Cardif wrote €53.5m of premium in FY 2025, 1.7% of all premium in Slovakia, ranking #11 of 13 insurers; its premium grew 12.3% on FY 2024.
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 (52.0% of its premium), other non-life (32.5%) and property (15.4%).
Is BNP Paribas Cardif well capitalised?
BNP Paribas Cardif's SCR ratio was 136% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 166% for the insurers in Slovakia.
Is BNP Paribas Cardif profitable?
BNP Paribas Cardif made a net profit of €3.28m in FY 2025, a return on equity of 16.3%; its non-life combined ratio was 95% after reinsurance.
Is BNP Paribas Cardif growing?
BNP Paribas Cardif's premium grew 12.3% in FY 2025, faster than the market in Slovakia (+7.4%).
Sources for this page
Premium, lines, claims and expenses: SLASPO member statistics, template S.05.01. Solvency: the per-company Solvency II templates SLASPO publishes (S.23.01). 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 (Slovakia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/sk-bnp-paribas-cardif
BibTeXShow entry
@misc{polisa_insurers_sk_bnp_paribas_cardif_2026,
author = {{Polisa}},
title = {BNP Paribas Cardif (Slovakia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/sk-bnp-paribas-cardif}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: SLASPO (no re-use terms published), NBS (free with credit, files unaltered), Register of Financial Statements (CC0), insurers' SFCRs (public disclosures, linked).