For 160 years, CNP Assurances has been protecting people against the risks of everyday life. France’s leading personal insurer, CNP Assurances also has operations in other European countries and in Latin America, with a significant presence in Brazil. Its ambition is to insure all our futures. The Group designs and manages life insurance, pension, personal risk and protection (term creditor insurance and health insurance) solutions.  In France, CNP Assurances distributes its products through La Banque Postale and the Caisses d’Epargne, as well as through its own in-house network.  In Brazil, its second largest market, the Group’s partner is Caixa Econômica Federal, the country’s second-biggest state-owned bank. In Europe and Latin America, CNP Assurances and its subsidiaries offer tailor-made employee benefit and pension products that are aligned with the needs of companies, local authorities and mutual insurers, as well as term creditor insurance products for banks operating in these regions. The Group applies a holistic approach to employee benefits plans, covering not only financial benefits but also risk prevention and personal services. CNP Assurances enjoys the backing of a public sector shareholder, Caisse des Dépôts et Consignations, which owns 40.8% of its capital. Its net profit rose by 4.8% in 2014, to €1,080 million