Highlights

​UnipolSai Group highlights​
 31/12/201931/12/201831/12/2017
Insurance business - Aggregate income
(Italian GAAP)
14,014 11,718 11,068
variation (%) YoY 19.6% 5.9% -11.4%
- Non-Life insurance premiums 8,167 7,953 7,355
variation (%) YoY 2.7% 8.1% 1.9%
- Life insurance premiums 5,847 4,292 3,713
variation (%) YoY 36.2% 15.6% -29.7%
Loss ratio
(direct premiums)
66.1% 67.4% 67.7%
Expense ratio
(direct premiums)
27.7% 27.2% 28.2%
Combined ratio 
(direct premiums)
93.7% 94.6% 95.9%
Net investment income and capital gains on disposal 1,606 1,924 1,568
variation (%) YoY -16.5% 22.7% -0.8%
Profit before taxation 969 964 933
variation (%) YoY 0.5% 3.3% 37.0%
Consolidated profit 721 699 690
variation (%) YoY 3.1% 1.3% 31.0%
Group net profit 694 652 664
variation (%) YoY 6.4% -1.8% 34.0%
Investment and liquid assets 66,369 59,718 51,971
variation (%) YoY 11.1% 14.9% -17.8%
Technical provisions 57,567 53,223 45,757
variation (%) YoY 8.2% 16.3% -18.0%
Shareholder's equity 6,878 5,448 5,869
variation (%) YoY 26.2% -7.2% -5.0%
N. of staff 12,274 11,935 11,529
Last updated:May 26 2020