Our business, protect you and your projects

Transcription

1 CACI Our business, protect you and your projects Caci (Crédit Agricole Creditor Insurance), Crédit Agricole Assurances subsidiary specialised in Creditor Protection Insurance (CPI), is a leading player in France and Europe, with 28 partners in 11 countries. Through its success enjoyed with its long-term partners (consumer finance institutions), Caci has extended its expertise to retail banks and entered into pan-european partnerships. In addition to CPI, Caci is currently developing a Financial Protection product range thanks to its proven operational track-record. OuR POsITIONs (2011) No.3 In FrAnCE FOr CPI No.4 In THE EUrOPEAn CPI MArKET

2 Our governance Yves Nanquette Chairman of Caci s Board of Directors & CEO of LCL EXECUTIVE COMMITTEE At 31 March 2012 From left to right Marc Vidal Chief Financial Officer Olivier Mélennec Head of Irish companies Jean-Pierre Paumier Head of General Affairs Hugues Hénin Head of Business Development for Italy, Spain and Germany Henri Le Bihan Chief Executive Officer David Atkinson Head of Operations Alain Roussel Head of Business Development and Marketing 4 key figures for Caci At end 2011 premium income of 1 billion 4 key dates for Caci 2008 Creation of Caci. Launch of a partnership with FGA Capital (joint venture between Fiat Group Automobiles and CACF, part of Crédit Agricole) key figures 28 partners 2009 Caci offering extended to the LCL network. 11 countries 2010 Opening of branches in Italy. 286 employees 2011 Decision of CreditPlus to launch a GAP product with Caci.

3 Our product range Caci s product range covers the major part of its partners and end-customers commitments (credit instalments, bills, etc.) against risks such as death, disability and involuntary unemployment: GAP (GUArAnTEED AUTOMOBILE PrOTECTIOn) is a complementary cover protecting the vehicle in the event of total destruction or theft GAP (GuARANTEED CREDITOR PROTECTION INsuRANCE (CPI) AuTOMOBILE PROTECTION) BuDGET PROTECTION BUDGET PrOTECTIOn is a comprehensive and diversified offer, providing help to the insured in his daily consumption and expenses in the event of a serious difficulty (disability, etc.) CArD AnD GOODS protect the cards and its use, together with purchases made in the event of theft, damage and breakdown CARD AND GOODs PROTECTION aims at protecting the loan in the event of disability, involuntary unemployment, etc. ACCIDENT AND HEALTH ACCIDEnT AnD HEALTH (InDIVIDUAL PrOTECTIOn) protect the end-customers and their families from the financial consequences of a serious personal life event (death, hospitalization, injury, etc.) OUr OrGAnISATIOn OUr LOCATIOnS Caci Holding s registered office is located in Paris Insurance companies in Dublin and Lille Branches in Milan and Paris Teams operating out of the 5 different offices Two full-scale management platforms: Lille : a platform for managing policies and claims on behalf of Finaref and LCL Dublin : a pan-european management platform for our partners operating under the Freedom Of Services (the principle of FOS allows an approved insurance company in one EU member state to offer its services to all EU member states without having to be established in each country) specialised teams dedicated to Caci s development

4 Our partners Caci has set up many partnerships in different sectors: Retail banking: Cariparma/FriulAdria/Carispezia, LCL, Crédit Agricole Bank Polska Consumer finance and leasing institutions: Crédit Agricole Consumer Finance France (and their credit partners), CreditPlus, Agos Ducato, Credibom, Finaref nordic, redcats nordic, Dan Aktiv, CA Leasing, Lukas Finanse, etc. Automotive captive finance companies: FGA Capital Non-group partners: Endesa, Orange, etc. ItaLY FGA Capital and Caci is a partnership constantly endeavouring to reach success and innovation. As a partner, Caci is able to translate its international experience into local expertise. Valerio santarelli, Insurance Manager We consider Caci to be a key strategic partner in the development of our insurance business: the proactivity and flexibility of its approach make Caci one of the best companies we have ever worked with. Flavio salvischiani Head of direct clients and insurance Caci represents a true asset for us in terms of experience and professionalism in the protection market. Carmine Paolantonio Head of Bancassurance germany We have been working with Caci since 2004 and appreciate it as a partner being open to innovative ideas and is prepared to offer individual service and advice according to our needs. Jan Wagner CEO FraNce By replacing historical and traditional partners with Caci, LCL has chosen to combine service quality, innovation and proactivity. After two years of working with Caci, results have exceeded our expectations. PoLaND Caci is one of our strategic partners, delivering measurable results for us while demonstrating the ability to work across all insurance business development disciplines as well as providing excellent customer service. Co-operation with Caci characterized out-of-the-box thinking, and problem solving approach with vision but applying meticulous attention to details to create the best value for our customers. Kazimierz Fedak Director of Insurance and Investment Funds Department Crédit Agricole Bank Polska Michel Morel Head of retail Markets The speed with which our partnership with Caci has developed has much to do with the advantages that it has given our business: deep commitment to and understanding of our business, product innovation, which enabled us to expand and improve our offer, and technical and legal expertise. Working with an expert as reliable and innovative as Caci is a true advantage. Jean-Gaston de Lassus Director of Insurance and Credit Brokerage Development PortugaL Based on Caci know-how in other markets, on a customercentric approach and teamwork with Credibom, Caci has the ability to develop and adapt products to the Portuguese Market in competitive conditions and quick time to market. Rui Ramos santos Head of Customer Direction

5 CACI s strengths A structure that can be adapted to different markets (Freedom Of Services or freedom of establishment) Advantages of the FOS principle: Flexibility Rapid offer implementation Multi-skilled centres For LCL CPI For Cariparma Sipuò s offering Practical expertise in the actuarial, legal and marketing fields in the European market Creation and development of global partnerships A full-scale platform delivering high-quality service caci An innovative, tailor-made approach that reflects our partners needs Coordinated management of partnerships In-depth knowledge of our partners business Teams located in the 3 major European markets For Caci, partnerships are built around: Our partner s strategy revenue and net income optimisation The most comprehensive and efficient protection possible for end-customers Caci s partners therefore benefit from: Tailor-made products Caci s pan-european expertise

6 CACI CACI-FORM French société anonyme with capital of 84,452,080 euros RCS Paris REGISTERED OFFICE 16, boulevard de Vaugirard PARIS CEDEX 15 CRÉDIT AGRICOLE ASSURANCES GROUP IN FIGURES (at 31 December 2011) 25.2 billion euros in premium income billion euros of assets under management 3,500 employees Find out more Scan the flash code and download the application to your smartphone. CAA Corporate communication division May Picture credit : Hervé Thouroude, Getty Images