Highlights

Unless otherwise specified, all the above reported figures refer to the Unipol Group.

 IFRS4/IAS39IFRS4/IAS39IFRS4/IAS39IFRS4/IAS39IFRS17/9
€mFY19FY20FY21FY22FY23
Direct premiums14,01412,21013,32913,64515,060
Non-Life8,1677,8827,9438,3048,651
Life5,8474,3285,3865,3416,409
Combined Ratio (net of reins.)94.2%87.0%95.0%93.8%98.2%
Loss Ratio66.3%58.8%67.1%65.2%71.5%
Expense Ratio27.9%28.2%27.9%28.7%26.7%
Pre-tax Result1,2871,0269511,1081,565
Non-Life9011.104821846896
Life22671213273375
Other160-149-83-10294
Net Result1,0878647968661,331
Norm. Net Result *732905n.a.7971,064
Group Net Result9037076276831,101
Norm. Group Net Result569745n.a.605834
Statutory result (Unipol SpA)284316335363378
Dividends201201215265273
DPS (€)0.2800.2800.3000.3700.380
Total Equity8,3059,5259,7227,6629,799
Shareholders Equity6,6877,6147,7806,1307,967
Solvency 2 ratio187%216%214%200%215%

*FY19 Normalised Result excludes (i)the badwill accounted by Unipol relating to the first consolidation of BPER shareholding and (ii) the Solidarity Fund. 
FY20 Normalised Result excludes the impact of the realignment of the badwill on BPER shareholding following the Unipol Group’s 'stake dilution after the bank's capital increase (partial reversal of the gain on the first consolidation on BPER). 
FY22 Normalised Result excludes (i) the badwill accounted by Unipol in relation to the increase of its stake in BPER, (ii) the accounting effect recognised by BPER after the acquisition of 80% of Banca Carige and (iii) the impact of the employee solidarity fund. 
FY23 Normalised Result excludes the badwill accounted by Unipol relating to the first consolidatin of its stake in BPSO.

 

To access the former ex UnipolSai documents, consult the ex UnipolSai archive.

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