BNP Paribas who considers Turkey as a big potential and BNP Paribas Cardif is one of the top 15 European Insurers, have invested in Turkey with 100% capital of BNP Paribas. BNP Paribas Cardif Turkey owns the 95% of market share in retail loan protection risk in Turkey with the power of BNP Paribas' strong financial and technological position and with its employess who are young, dynamic and specialist in their field.

BNP Paribas Cardif started new trends in Turkey with its speacial and innovative products which relieved individuals when they are unemployed, disable to work or have illness by paying their credit cards and retail loans, their rents, bills and incomes/wages.

BNP Paribas Cardif is Insurance and Portfolio Management company of BNP Paribas.

Capital Distribution

BNP Paribas Cardif Sigorta A.Ş.

BNP Paribas Cardif Hayat Sigorta A.Ş.

BNP Paribas who considers Turkey as a big potential and BNP Paribas Cardif is one of the top 15 European Insurers, have invested in Turkey with 100% capital of BNP Paribas. BNP Paribas Cardif Turkey owns the 95% of market share in retail loan protection risk in Turkey with the power of BNP Paribas' strong financial and technological position and with its employess who are young, dynamic and specialist in their field.

BNP Paribas Cardif started new trends in Turkey with its special and innovative products which relieved individuals when they are unemployed, disable to work or have illness by paying their credit cards and retail loans, their rents, bills and incomes/wages.

BNP Paribas Cardif is Insurance and Portfolio Management company of BNP Paribas.

Shareholder Structure

Capital Distribution

BNP Paribas Cardif Sigorta A.Ş.

BNP Paribas Cardif Hayat Sigorta A.Ş.

A diversified partnership model

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.

Three main channels to distribute products

Banks, financial institutions and retailers.

BNP Paribas Retail banking (in France, Italy, Belgium and Luxembourg).

Alternative channels:

• networks of independent financial advisors, brokers or agents;
• telemarketing or Internet./li>

A culture of partnership and proactive business mindset

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 Program

Exemplary corporate citizenship and responsibility

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.

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Present across Europe through all its business lines, the Group has four domestic retail banking markets in France, Italy, Belgium and Luxembourg.

It has one of the largest international networks with operations in 84 countries and 200,900 employees, including 158,700 in Europe, 15,000 in North America and 10,400 in Asia.

BNP Paribas has key positions in its three core businesses:

• Retail Banking
• Corporate & Investment Banking
• Investment Solutions

Ranks 11^th of the world leading companies, 1^st among French enterprises, 1^st worldwide in terms of assets, 7^th in the global banking sector and 2^nd bank in the euro zone ('Global 2000 Forbes' 2009)

6^th most valuable international banking brand, 3^rd in Europe (Brand Finance February 2010)

Ranks 8^th among the world's safest banks (Global Finance - February 2009)

A few key figures:

• Ratings:

  	Standard & Poor's	Moody's	Fitch
  Long term rating	AA	Aa2	AA-
  Outlook	Negative	Stable	Stable
  Last Update	28.01.2009	20.01.2010	21.06.2010
  Rating Action	Updated	Updated	Updated
  Short term rating	A-1+	Prime -1	F1+

• Results as at 31 March 2010
  • Net Banking Income of €11,530 mn
  • Gross Operating Income of €4,934 mn
  • Net Income Group Share of €2,283 mn

With strong positions in Europe, Asia and Latin America, BNP Paribas Cardif applies an original and diversified business model that positions the company as a major player in the global market for personal insurance.

Three distribution networks :

• The Retail Banking channel : retail banking networks of BNP Paribas in France, Italy, Belgium and Luxembourg,
• The Partnerships channel : banks, financial institutions and retail chains,
• The Digital & Brokers channel: networks of independent financial advisors, brokers and Internet.

BNP Paribas Cardif's ambition is to be the global benchmark in insurance partnerships.

BNP Paribas Cardif is one of the top 15 European Insurers.

Standard & Poor’s rating of the two operating entities Cardif Assurance Vie and Cardif Assurances Risques Divers: AA

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BNP Paribas Cardif provides its products through its partners such as banks, consumer finance and insurance companies.

BNP Paribas Cardif maintains its successful partnerships in 3 continents in the world by means of “open architecture” business model.

BNP Paribas Cardif offers customer specific and integrated solutions by getting life and elementary products together in one company.

BNP Paribas Cardif treats equally to each of its partners and is expert in developing need-oriented and innovative products, called "tailor made" products.

BNP Paribas Cardif products designed as “Specific to Customer” and “Need-Oriented” are divided into 4 main groups which are

• Creditor Protection Products
• Credit Card Protection Products
• Income Protection Products
• Other Protection Products
  • Shopping Product
  • Bill Payment Product
  • Rent Payment Product
  • Critical Illnesses Product

BNP Paribas Cardif Turkey with its flexible business model operates as reinsurer or coinsurer and direct insurer as well.

BNP Paribas Cardif business model works as shown in below:

BNP Paribas Cardif with its open architecture model, positioned equally to all its business partners. Our company maintains its business partnership with a lot of insurance companies, banks and credit corporations in the scope of creditor, credit card and income protection products. BNP Paribas Cardif distributes its products to its final users via 3200 bank branches, 500 auto dealers, and thousands of sales representatives in Call Centers.

Our company started its sales in April 2008, but in short time achieved to be known in the sector and gain prestige.

• Mortgage Loans
• Auto Loans
• Consumer Loans.

With these creditor protection products, BNP Paribas Cardif pays off the debt left or installments when insured person loses its ability to earn income due to involuntary unemployment. Moreover, with doing so, the customer does not become a debtor against BNP Paribas Cardif.

This product clears credit card debt balance in certain installments or all balance in the name of debtor when this debtor becomes unemployed. Coverage amount depends on monthly expenditures done by insured person. If the insured does not have any expenditure for that month, premium does not paid neither, however, the insurance proceeds.

Credit card installment payment periods and payment amount are in privacy of business partner and determined according to needs.

Thanks to this product, BNP Paribas Cardif provides income in case of unemployment to the insured as if the insured was working.

Income payment period and amount are in privacy of business partner and determined according to the needs.

In case of loosing the ability due to unemployment, Shopping Basket product enables insured to be provided their monthly needs like food, cleaning and other personal needs.

Bill Payment Product

Bill Payment Product pays the bills to be paid regularly, in case of loosing the ability due to unemployment.

Rent Payment Product

Rent Payment Product pays rents on behalf of insured in case of loosing the ability due to unemployment.

Critical Illnesses Product

Critical Illnesses Product is designed to protect both individuals health and their family against unexpected diseases. In case of contracting an unexpected disease within the context of benefit, specified amount is paid to individual, and in case of the death, this specified amount is paid to the beneficiaries or legal heirs.

Out of these products, BNP Paribas Cardif designs innovative products for different segments and for different needs, i.e. "customer specific".

Self- employed people and government officers can benefit from this coverage.

• Application letter signed by insured person explaining the situation and request
• Activity certificate from registered association
• Official Accident Report (Police Report, Court Report)
• Medical report stating days not worked (from state hospital)
• Social security compensation documents given by Social Security Institutions
• Additional documents might be requested by BNP Paribas Cardif (ex: additional medical report)
• Temporary disability insurance amount given by Social Security Institution before each monthly payment

Death Coverage

• Application letter signed by inheritor or beneficiary explaining the situation and request
• Certificate of identity register copy given by Civil Registry Office
• Official death report from central demographical administration system
• Declaration of absence (from Court)
• Certificate of heirship
• Offical Accident Report in case of accidental death (Police Report, Court Report)
• If accidental death and death is submitted to court, official written accusation from Public Prosecution Office or verdict of non-prosecution
• In case of death due to illness, epicrisis report

Unemployment Coverage

Employees covered by Social Security Institution and some specific employees covered by state retirement fund can benefit from this coverage.

• Application letter signed by the insured person explaining the situation and request,
• Document stating reason of dismissal,
• Certificate of employment (from company you worked also stating working time)
• Document showing the registration in unemployment institution
• Compensation notification from relevant institution (Social Security Institution)
• Copy of identity card
• Unemployment compensation payment document given by Social Security Institution before each monthly payment
• Other

Critical Illness Coverage

Those who are out of unemployment and disability coverage can benefit from this coverage.

• Application letter signed by the insurer explaining the situation and request
• Beneficiary or inheritor application letter
• Medical report, reports and analysis documenting the illness (document confirming compliance to defined illnesses)
• Document showing the income of the insurer (like retirement pension-pay paper) to see that insurer is covered by this group.
• Additional document might be requested for insurance amount payment if BNP Paribas Cardif thinks necessary (ex: additional medical report, epicrisis report)

Accidental Death Coverage

• Application letter submitted by inheritor (including address and all phone numbers)
• Certificate of identity register copy
• Official death report from central demographical administration system
• Offical Accident Report (Police Report, Court Report)
• Official written accusation from Public Prosecution Office
• Verdict of non-prosecution
• Other

Accidental Total and Permanent Disability Coverage

• Offical Accident Report (Police Report, Court Report)
• Epicrisis report if accidental disbility
• Medical Board Report stating reason, statu and degree of disability (Obtained from state / Social Security Institution hospital)
• Application letter signed by the insured person explaining situation and request

Accident or Illness Coverage

Daily Hospital

• Application letter submitted by insured
• Application letter submitted by beneficiary
• Document stating that you are self-employed
• Invoice from doctor
• Invoice from hospital
• Medical Investigation Report
• Other

All documents have to be original or verified as same as the original by the relevant institution.

The tables below, contain coverage differentiations of our two companies serving in Turkey, BNP Paribas Cardif Hayat Sigorta A.Ş. and BNP Paribas Cardif Sigorta A.Ş.

Coverage information of BNP Paribas Cardif Hayat Sigorta A.Ş.

Coverage information of BNP Paribas Cardif Sigorta A.Ş.

The premiums of life insurance policies that insured pay as 5% of their gross wages and not exceeding minimum wage per year, to insurance companies for themselves, their spouces and children can be deducted from income tax assessment.

Tax payers who declared their annual income can deduct individual insurance premiums paid in that year from their incomes stated in declaration with the conditions that those premiums should not exceed 5% of income declared and not exceed minimum wage. Premiums paid for tax payers’ spouces and childrens also can be deducted if it has not already been deducted and if any declaration has not been given yet.

10% of payment done to those who have been paying premiums for cumulative life insurance for ten years and those who dissolve the insurance for compulsory reasons like death or disability can be deducted from income tax.

According to Income Tax Law article 75/15, payments of insurance companies;

         a) To those who dissolve the insurance before 10 years premium payments

         b) To those who pay premiums for 10 years and dissolve due to compulsory reasons like death or disability

are counted as earning on movable assets. 94th article of this law, in subparagraph (a) and (b), the insurance companies while making the payment has to make stoppage in a rate of 15% and 10% of income tax of right holder respectively.The payments done for noncumulative insurance policies when there emerges a risk can not be deducted from income tax.

Press Kit

• Logo of CARDIF (.EPS 140 Kb)
• Logo of CARDIF (.GIF - 8 Kb)

BNP Paribas Cardif
Subsidiaries in Turkey

Askerocağı Cad. Süzer Plaza
Kat:15-16 Daire:1501-1604 Elmadağ / Şişli
İstanbul - Türkiye

Phone: 0 212 393 3000
Fax: 0 212 393 3053
E-mail: bilgi@cardif.com

BNP Paribas CARDIF knows the importance of proper recruiting, training, positioning and performance improvement to maintain its operations effectively. Because the distribution channels of BNP Paribas CARDIF are banks, consumer finance and insurance companies, BNP Paribas CARDIF has employees who are experinced in insurance sector, successful to coordinate and manage with its business partners instead of direct sales employees. Such distribution channels provide more efficient business to CARDIF. In this scope, the aim of recruiting is to position the right person to the right place. Positioning, training and performance improvement require continuity and consisteny.

BNP Paribas CARDIF succeeds this through performance management and training plans.

Company Education Profile

Company Age and Gender Distribution

Performance Management

The aim of performance management is to improve performance of the organization, teams and individuals. Not only the past performance of employees is measured, but human resoruces also plans the career of employees and tries to increase the potentials of employees.

Human resources activities in the scope of performance management are as follows;

• Establishment of strategies
• Definition of all competences
• Update of performance principles
• Training
• Monitoring the implementations and results

To be a part of BNP Paribas Cardif

Our aim is to support our employees from the beginning independent from their titles.

Our vision is the key component of our success. For that reason, new employees are first informed about our vision.

Beside the technical and personal development programs for professional needs, we try to increase the motivation of employees and have them get the organizational culture.

Job Application

All applications are stored in our database. When there are vacancies, proper candidates chosen from this database are invited for an interview.

Candidates who are positive, self-confident, competent in communication, respectful for ethics, open to development and changes can send their curriculum vitae through Job Application Form.

Applications sent with e-mails, mails or fax will not be evaluated.

• About BNP Paribas Cardif
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The exclusive right of use of any trademark, logo and similar intellectual property rights contained in this web site belongs to BNP Paribas Cardif [Hayat] Sigorta A.Ş, a BNP Paribas group company ("BNP Paribas Cardif").

Intellectual property rights over any written, visual or audio content, design, software, codes and any other element accessible through this web site are under the exclusive property of BNP Paribas Cardif and such elements can in no way be party or totally copied, duplicated, distributed, published, changed, used for commercial purposes or quoted without the prior written consent of BNP Paribas Cardif. Any quotation made with the prior written approval of Cardif shall be used together with the following warning: "Intellectual property rights exclusively owned by BNP Paribas Cardif [Hayat] Sigorta A.Ş.".

Cardif does not provide any representation or warranty as to the accuracy of the information contained in this web site. BNP Paribas Cardif shall under no circumstances be liable for any pecuniary or non-pecuniary damages or costs incurred directly or indirectly due to the incompleteness, inaccuracy or use of any information contained in this web site and shall under no circumstances be liable for any damages or costs incurred by any third party. BNP Paribas Cardif shall be entitled at any time to make changes to the content of this web site.

BNP Paribas Cardif shall under no circumstances be liable for the content, web sites or files contained or accessible through any other web site which provides access to or can be accessed through this web site.

This web site contains areas which are not open to public and only accessible with restricted access codes. Those areas can be accessed by authorized persons only. Such authorized persons are granted an individual right to access and use information and software contained in said areas. Authorized persons shall not be entitled to share or allow the use of information and software available in said areas to unauthorized persons, either partly or totally, in their current form or by making any changes.

BNP Paribas Cardif reserves its right of legal action against any person undertaking any of the forbidden acts referred to herein or any other illegal act.

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