Highlights

​UnipolSai Group highlights​
  31/12/2022 31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017
Insurance business - Aggregate income
(Italian GAAP)
13,645 13,329 12,210 14,014 11,718 11,068
variation (%) YoY 2.4%
9.2%
-12.9% 19.6% 5.9% -11.4%
- Non-Life insurance premiums 8,304 7,943 7,882 8,167 7,953 7,355
variation (%) YoY 4.5%
0.8%
-3.5% 2.7% 8.1% 1.9%
- Life insurance premiums 5,341 5,386 4,328 5,847 4,292 3,713
variation (%) YoY -0.8%
24.4%
-26.0% 36.2% 15.6% -29.7%
Loss ratio
(direct premiums)
62.2% 64.0% 57.3% 66.1% 67.4% 67.7%
Expense ratio
(direct premiums)
28.8% 28.5% 28.1% 27.7% 27.2% 28.2%
Combined ratio 
(direct premiums)
91.0% 92.5% 85.4% 93.7% 94.6% 95.9%
Net investment income and capital gains on disposal 1,531 1,496 1,371 1,606 1,924 1,568
variation (%) YoY 2.3%
9.1%
-14.6% -16.5% 22.7% -0.8%
Profit before taxation 920 895 1,119 969 964 933
variation (%) YoY 2.8%
-20.0%
15.5% 0.5% 3.3% 37.0%
Consolidated profit 651 723 853 721 699 690
variation (%) YoY 9.9%
-15.2%
18.3% 3.1% 1.3% 31.0%
Group net profit 597 688 820 694 652 664
variation (%) YoY -13.2%
-16.1%
18.2% 6.4% -1.8% 34.0%
Investment and liquid assets 60,504 69,339 68,769 66,369 59,718 51,971
variation (%) YoY -12.7%
0.8%
3.6% 11.1% 14.9% -17.8%
Technical provisions 51,766 57,128 57,707 57,567 53,223 45,757
variation (%) YoY -9.4%
-1.0%
0.2% 8.2% 16.3% -18.0%
Shareholder's equity 5,568 7,964 7,881 6,878 5,448 5,869
variation (%) YoY -30.1%
1.1%
14.6% 26.2% -7.2% -5.0%
N. of staff 12,315 11,881 11,770 12,274 11,935 11,529
Last updated:Jun 20 2022