{"id":42187,"date":"2023-09-21T00:00:00","date_gmt":"2023-09-21T00:00:00","guid":{"rendered":"https:\/\/conseil-concurrence.preprod.io\/communique-du-conseil-de-la-concurrence-concernant-la-prise-du-controle-conjoint-des-societes-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-et-vera-protezione-3\/"},"modified":"2026-02-06T15:48:51","modified_gmt":"2026-02-06T15:48:51","slug":"statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion","status":"publish","type":"post","link":"https:\/\/conseil-concurrence.ma\/en\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\/","title":{"rendered":"Statement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d."},"content":{"rendered":"

In accordance with Article 13 of Law 104-12 on freedom of prices and competition as amended and supplemented, and Article 10 of Decree No. 2-14-652 issued for its implementation, the Competition Council makes available to the public the \u201csummary of the operation\u201d below, containing the information provided by the parties.
\nThis information has been prepared by the notifying parties, who are solely responsible. Any inaccurate or distorted information contained therein does not in any way prejudge the Competition Council’s position on the proposed operation.
\nThe publication of this statement does not attest to the completeness of the file provided for in Article 9 of Decree No. 2-14-652 issued for the implementation of Law 104-12 on freedom of prices and competition.
\nNames of the companies and groups involved:<\/strong>
\n– The acquirer:<\/strong> The company Cr\u00e9dit Agricole Assurances SA;<\/strong>
\n– The targets:<\/strong>
\no The company Banco BPM Assicurazioni SPA;
\no The company Vera Assicurazioni SPA;
\no The company Vera Protezione SPA.
\nNature of the operation<\/strong>
\n– Joint control.
\nEconomic sectors concerned<\/strong>
\n– Bancassurance sector.
\nDeadline for interested third parties to submit their observations<\/strong>
\n– 10 days from the date of publication of this statement, i.e. October 2, 2023.<\/p>\n

NON-CONFIDENTIAL SUMMARY OF THE OPERATION PROVIDED BY THE PARTIES<\/strong>
\nThe Competition Council has received a notification regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d.
\nThe activities of the companies involved are as follows:
\n– The company \u201cCr\u00e9dit Agricole Assurances S.A\u201d is a French insurance holding company owned 100% by Cr\u00e9dit Agricole S.A., serving as the central body of the Cr\u00e9dit Agricole Group (GCA). The insurance companies within the CAA group offer insurance solutions (life and non-life products) to individuals, businesses, and farmers;
\n– The company \u201cBanco BPM Assicurazioni SPA\u201d is an Italian insurance company exclusively offering non-life insurance products. It is a company within the Banco BPM Vita SpA insurance group, whose parent company Banco BPM Vita SpA is 100% owned by Banco BPM SpA;
\n– The company \u201cVera Assicurazioni SPA\u201d is an Italian insurance company established in 2018 as a result of a collaboration between the Cattolica Assicurazioni Group and Banco BPM. Vera Assicurazioni offers insurance solutions for individuals, businesses, properties, homes, automobiles, and more;
\n– The company \u201cVera Protezione SPA\u201d is an Italian insurance company wholly owned by Vera Assicurazioni, exclusively offering life insurance products.<\/p>\n

Done in Rabat on September 21, 2023.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

In accordance with Article 13 of Law 104-12 on freedom of prices and competition as amended and supplemented, and Article 10 of Decree No. 2-14-652 issued for its implementation, the Competition Council makes available to the public the \u201csummary of the operation\u201d below, containing the information provided by the parties. This information has been prepared by the notifying parties, who are solely responsible. Any inaccurate or distorted information contained therein does not in any way prejudge the Competition Council’s position on the proposed operation. The publication of this statement does not attest to the completeness of the file provided for in Article 9 of Decree No. 2-14-652 issued for the implementation of Law 104-12 on freedom of prices and competition. Names of the companies and groups involved: – The acquirer: The company Cr\u00e9dit Agricole Assurances SA; – The targets: o The company Banco BPM Assicurazioni SPA; o The company Vera Assicurazioni SPA; o The company Vera Protezione SPA. Nature of the operation – Joint control. Economic sectors concerned – Bancassurance sector. Deadline for interested third parties to submit their observations – 10 days from the date of publication of this statement, i.e. October 2, 2023. NON-CONFIDENTIAL SUMMARY OF THE OPERATION PROVIDED BY THE PARTIES The Competition Council has received a notification regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. The activities of the companies involved are as follows: – The company \u201cCr\u00e9dit Agricole Assurances S.A\u201d is a French insurance holding company owned 100% by Cr\u00e9dit Agricole S.A., serving as the central body of the Cr\u00e9dit Agricole Group (GCA). The insurance companies within the CAA group offer insurance solutions (life and non-life products) to individuals, businesses, and farmers; – The company \u201cBanco BPM Assicurazioni SPA\u201d is an Italian insurance company exclusively offering non-life insurance products. It is a company within the Banco BPM Vita SpA insurance group, whose parent company Banco BPM Vita SpA is 100% owned by Banco BPM SpA; – The company \u201cVera Assicurazioni SPA\u201d is an Italian insurance company established in 2018 as a result of a collaboration between the Cattolica Assicurazioni Group and Banco BPM. Vera Assicurazioni offers insurance solutions for individuals, businesses, properties, homes, automobiles, and more; – The company \u201cVera Protezione SPA\u201d is an Italian insurance company wholly owned by Vera Assicurazioni, exclusively offering life insurance products. Done in Rabat on September 21, 2023.<\/p>\n","protected":false},"author":5,"featured_media":34707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[352],"tags":[383],"class_list":["post-42187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases","tag-2023-en"],"acf":[],"yoast_head":"\nStatement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. - Conseil de la concurrence du Maroc<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/conseil-concurrence.ma\/en\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Statement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. - Conseil de la concurrence du Maroc\" \/>\n<meta property=\"og:description\" content=\"In accordance with Article 13 of Law 104-12 on freedom of prices and competition as amended and supplemented, and Article 10 of Decree No. 2-14-652 issued for its implementation, the Competition Council makes available to the public the \u201csummary of the operation\u201d below, containing the information provided by the parties. This information has been prepared by the notifying parties, who are solely responsible. Any inaccurate or distorted information contained therein does not in any way prejudge the Competition Council’s position on the proposed operation. The publication of this statement does not attest to the completeness of the file provided for in Article 9 of Decree No. 2-14-652 issued for the implementation of Law 104-12 on freedom of prices and competition. Names of the companies and groups involved: – The acquirer: The company Cr\u00e9dit Agricole Assurances SA; – The targets: o The company Banco BPM Assicurazioni SPA; o The company Vera Assicurazioni SPA; o The company Vera Protezione SPA. Nature of the operation – Joint control. Economic sectors concerned – Bancassurance sector. Deadline for interested third parties to submit their observations – 10 days from the date of publication of this statement, i.e. October 2, 2023. NON-CONFIDENTIAL SUMMARY OF THE OPERATION PROVIDED BY THE PARTIES The Competition Council has received a notification regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. The activities of the companies involved are as follows: – The company \u201cCr\u00e9dit Agricole Assurances S.A\u201d is a French insurance holding company owned 100% by Cr\u00e9dit Agricole S.A., serving as the central body of the Cr\u00e9dit Agricole Group (GCA). The insurance companies within the CAA group offer insurance solutions (life and non-life products) to individuals, businesses, and farmers; – The company \u201cBanco BPM Assicurazioni SPA\u201d is an Italian insurance company exclusively offering non-life insurance products. It is a company within the Banco BPM Vita SpA insurance group, whose parent company Banco BPM Vita SpA is 100% owned by Banco BPM SpA; – The company \u201cVera Assicurazioni SPA\u201d is an Italian insurance company established in 2018 as a result of a collaboration between the Cattolica Assicurazioni Group and Banco BPM. Vera Assicurazioni offers insurance solutions for individuals, businesses, properties, homes, automobiles, and more; – The company \u201cVera Protezione SPA\u201d is an Italian insurance company wholly owned by Vera Assicurazioni, exclusively offering life insurance products. Done in Rabat on September 21, 2023.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/conseil-concurrence.ma\/en\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\/\" \/>\n<meta property=\"og:site_name\" content=\"Conseil de la concurrence du Maroc\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-21T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-06T15:48:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/conseil-concurrence.ma\/wp-content\/uploads\/2026\/01\/commission_permanente-4.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1170\" \/>\n\t<meta property=\"og:image:height\" content=\"486\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Youssef OTMANE\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Youssef OTMANE\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/\"},\"author\":{\"name\":\"Youssef OTMANE\",\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/#\\\/schema\\\/person\\\/24b4bd1e24ccf3057c8fcb57662a0b81\"},\"headline\":\"Statement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d.\",\"datePublished\":\"2023-09-21T00:00:00+00:00\",\"dateModified\":\"2026-02-06T15:48:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/\"},\"wordCount\":437,\"image\":{\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/conseil-concurrence.ma\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/commission_permanente-4.jpg\",\"keywords\":[\"2023\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/\",\"url\":\"https:\\\/\\\/conseil-concurrence.ma\\\/en\\\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\\\/\",\"name\":\"Statement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. - 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Conseil de la concurrence du Maroc","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/conseil-concurrence.ma\/en\/statement-from-the-competition-council-regarding-the-joint-takeover-of-the-companies-banco-bpm-assicurazioni-spa-vera-assicurazioni-spa-and-vera-protezion\/","og_locale":"en_US","og_type":"article","og_title":"Statement from the Competition Council regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. - Conseil de la concurrence du Maroc","og_description":"In accordance with Article 13 of Law 104-12 on freedom of prices and competition as amended and supplemented, and Article 10 of Decree No. 2-14-652 issued for its implementation, the Competition Council makes available to the public the \u201csummary of the operation\u201d below, containing the information provided by the parties. This information has been prepared by the notifying parties, who are solely responsible. Any inaccurate or distorted information contained therein does not in any way prejudge the Competition Council’s position on the proposed operation. The publication of this statement does not attest to the completeness of the file provided for in Article 9 of Decree No. 2-14-652 issued for the implementation of Law 104-12 on freedom of prices and competition. Names of the companies and groups involved: – The acquirer: The company Cr\u00e9dit Agricole Assurances SA; – The targets: o The company Banco BPM Assicurazioni SPA; o The company Vera Assicurazioni SPA; o The company Vera Protezione SPA. Nature of the operation – Joint control. Economic sectors concerned – Bancassurance sector. Deadline for interested third parties to submit their observations – 10 days from the date of publication of this statement, i.e. October 2, 2023. NON-CONFIDENTIAL SUMMARY OF THE OPERATION PROVIDED BY THE PARTIES The Competition Council has received a notification regarding the joint takeover of the companies \u201cBanco BPM Assicurazioni SPA\u201d, \u201cVera Assicurazioni SPA\u201d and \u201cVera Protezione SPA\u201d by the company \u201cCr\u00e9dit Agricole Assurances SA\u201d. The activities of the companies involved are as follows: – The company \u201cCr\u00e9dit Agricole Assurances S.A\u201d is a French insurance holding company owned 100% by Cr\u00e9dit Agricole S.A., serving as the central body of the Cr\u00e9dit Agricole Group (GCA). The insurance companies within the CAA group offer insurance solutions (life and non-life products) to individuals, businesses, and farmers; – The company \u201cBanco BPM Assicurazioni SPA\u201d is an Italian insurance company exclusively offering non-life insurance products. It is a company within the Banco BPM Vita SpA insurance group, whose parent company Banco BPM Vita SpA is 100% owned by Banco BPM SpA; – The company \u201cVera Assicurazioni SPA\u201d is an Italian insurance company established in 2018 as a result of a collaboration between the Cattolica Assicurazioni Group and Banco BPM. Vera Assicurazioni offers insurance solutions for individuals, businesses, properties, homes, automobiles, and more; – The company \u201cVera Protezione SPA\u201d is an Italian insurance company wholly owned by Vera Assicurazioni, exclusively offering life insurance products. 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