Highlights

​UnipolSai Group highlights​
 31/12/201831/12/201731/12/2016
31/12/2015
Insurance business - Aggregate income
(Italian GAAP)
11,718 11,068 12,497 13,982
variation (%) YoY 5.9% -11.4% -10.6 -12.7
- Non-Life insurance premiums 7,892 7,355 7,218 7,334
variation (%) YoY 7.3% 1.9% -1.6 -12.9
- Life insurance premiums 3,826 3,713 5,279 6,648
variation (%) YoY 3.1% -29.7% -20.6 -12.3
Loss ratio
(direct premiums)
67.4% 67.7% 67% 65.4%
Expense ratio
(direct premiums)
27.2% 28.2% 28.7% 28.5%
Combined ratio 
(direct premiums)
94.6% 95.9% 95.7% 93.9%
Net investment income and capital gains on disposal 1,924 1,568 1,580 2,048
variation (%) YoY 22.7% -0.8% -22.8 14.8
Profit before taxation 969* 933 681 1,044
variation (%) YoY 3.9% 37.0% -34.8 -8.6
Consolidated profit 703 690 527 738
variation (%) YoY 1.9% 31.0% -28.5 -5.8
Group net profit 657* 664 497 711
variation (%) YoY -1.1% 34.0% -30.1 -3.9
Investment and liquid assets 59,718 51,971 63,261 63,291
variation (%) YoY 14.9% -17.8% -0.0 0.7
Technical provisions 53,223 45,757 55,816 56,095
variation (%) YoY 16.3% -18.0% -0.5 -0.2
Shareholder's equity 5,448 5,869 6,156 6,278
variation (%) YoY -7.2% -5.0%  -1,9 0.3
N. of staff 11,935 11,529  10,280 9,951

* Adjusted figures: normalised figures recalculated to reflect the current Group perimeter

Last updated:Jun 04 2019