Highlights

​UnipolSai Group highlights​
 31/12/2016
31/12/2015
Insurance business - Aggregate income
(Italian GAAP)
12,497 13,982
variation (%) YoY -10.6 -12.7
- Non-Life insurance premiums 7,218 7,334
variation (%) YoY -1.6 -12.9
- Life insurance premiums 5,279 6,648
variation (%) YoY -20.6 -12.3
Loss ratio
(direct premiums)
67% 65.4%
variation (%) YoY n.a. n.a.
Expense ratio
(direct premiums)
28.7% 28.5%
variation (%) YoY n.a. n.a
Combined ratio 
(direct premiums)
95.7% 93.9%
variation (%) YoY n.a. n.a.


   
Net investment income and capital gains on disposal 1,580 2,048
variation (%) YoY -22.8 14.8
Profit before taxation 681 1,044
variation (%) YoY -34.8 -8.6
Consolidated profit 527 738
variation (%) YoY -28.5 -5.8
Group net profit 497 711
variation (%) YoY -30.1 -3.9


   
Investment and liquid assets 63,261 63,291
variation (%) YoY -0.0 0.7
Technical provisions 55,816 56,095
variation (%) YoY -0.5 -0.2
Financial liabilities 4,681 3,897
variation (%) YoY 20.1 2.2
Capital and reserves pertaining to the Group 6,156 6,278
variation (%) YoY                    -1,9                   0.3
N. of staff                10,280                 9,951
Last updated:Dec 31 2016