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Unipol Investor Presentation 2015

Mar 20, 2015

4405_ip_2015-03-20_8048d67f-33c5-4dee-a804-723698bcfc98.pdf

Investor Presentation

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Presentation of consolidated resultsas at 31 December 2014

Carlo Cimbri – CEO

Bologna, 19 March 2015

Notice

Unless otherwise specified:

  • •all the figures reported in this presentation are on a consolidated basis;
  • • the FY13 figures of UnipolSai are consolidated, pro-forma, of operating nature and they relate to the UnipolSai Group as resulting from the relevant merger.

The data related to UGF are on a grey background and the related charts are in the shades of blue.The data related to UnipolSai are on a pale blue background and the related charts are in the shades of red.

•Business highlights

  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Business highlights

  • Positive results in the insurance sector confirmed
  • Non-Life technical profitability at excellent, prudent and sustainable levels
  • Review of banking loans consistent with AQR
  • Dividends expected in line with the previous financial year
  • High investment yield and consistent reduction of the exposure to structured products

Key Performance Indicators

€m

UNIPOLSAI

F
Y
1
3		 F
Y
1
4		 %
∆
C
l
i
d
d
l
t
t
t
o
n
s
o
a
e
n
e
r
e
s
u		 6
9
4		 7
8
3		 1
2.
9
%
G
l
t
t
r
o
u
p
n
e
r
e
s
u		 6
3
6		 7
4
0		 1
6.
3
%
a
S
E
P
(
€
)		 n.
a.		 0
2
9
7		 n.
a.
P
i
i
d
i
b
i
t
r
e
m
u
m
n
c
o
m
e-
r
e
c
u
s
n
e
s
s		 1
3
9
4
5
,		 1
6
0
0
8
,		 4.
0
%
/
No
L
i
fe
o
n-
w		 9,
2
5
7		 8,
4
2
4		 -9
0
%
/
L
i
fe
o
w		 6,
1
3
7		 7,
5
8
4		 2
3.
6
%
b
C
b
i
d
R
i
t
o
m
n
e
a
o		 9
3
6
%		 9
4
6
%		 1
p.
p.
c
S
l
I
o
v
e
n
c
y		 1.
5
5
x		 1.
6
6
x		 0.
1
1
+
x
S
h
h
l
d
'
i
t
a
r
e
o
e
r
s
e
q
u
y		 5
5
6
9
,		 6
6
3
5
,		 1
9.
1
%
G
h
h
l
d
'
i
t
r
o
p
s
a
r
e
o
e
r
s
e
q
u
u
y		 2
1
0
5
,		 6
2
9
5
,		 2
0.
8
%
B
V
P
S
(
€
)		 n.
a		 2
3
7
2		 n.
a.

UNIPOL GRUPPO FINANZIARIO

F
Y
1
3		 F
Y
1
4		 %
∆
C
l
i
d
d
l
t
t
t
o
n
s
o
a
e
n
e
r
e
s
u		 1
8
8		 5
0
5		 1
6
8.
8
%
G
l
t
t
r
o
u
p
n
e
r
e
s
u		 7
9
-		 1
9
2		 n.
s.
a
S
(
)
E
P
€		 0
1
1
0
-		 0
2
6
8		 n.
s.
P
i
i
d
i
b
i
t
r
e
m
u
m
n
c
o
m
e-
r
e
c
u
s
n
e
s
s		 1
6
8
0
4
,		 1
8
8
3
7
,		 6.
4
%
/
f
N
L
i
o
o
n-
e
w		 9,
8
2
1		 8,
9
6
9		 -8
7
%
/
L
i
f
o
w
e		 6,
9
8
3		 8,
9
1
5		 2
7.
7
%
b
C
b
i
d
R
i
t
o
m
n
e
a
o		 9
3
1
%		 9
4
0
%		 0.
9
p.
p.
c
S
l
I
o
e
n
c
v
y		 1.
6
5
x		 1.
6
9
x		 0.
0
4
+
x
S
h
h
l
d
'
i
t
a
r
e
o
e
r
s
e
q
u
y		 4
8
1
7
,		 8
4
4
0
,		 1
2.
8
%
G
h
h
l
d
'
i
t
r
o
u
p
s
a
r
e
o
e
r
s
e
q
u
y		 5
4
1
4
,		 5
6
9
1
,		 1
%
5.
S
(
)
B
V
P
€		 1
7
5
5
,		 9
3
7
7
,		 5.
1
%
  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Consolidated results by business area

UNIPOLSAI

F
Y
1
3		 F
Y
1
4
P
t
r
e-
a
x
l
t
r
e
s
u		 N
t
e
l
t
r
e
s
u		 P
t
r
e-
a
x
l
t
r
e
s
u		 N
t
e
l
t
r
e
s
u
N
L
i
f
o
n-
e		 7
7
2		 4
4
4		 9
5
4		 6
6
9
L
i
f
e		 1
4
5		 3
6
9		 2
4
5		 1
6
1
O
h
t
e
r		 -1
1
4		 -1
2
0		 -6
6		 -4
7
T
l
l
i
d
d
l
t
t
t
o
a
c
o
n
s
o
a
e
r
e
s
u		 1,
1
7
2		 6
9
4		 1,
1
4
2		 7
8
3
T
l
G
l
t
t
o
a
r
o
p
r
e
s
u
u		 6
3
6		 7
4
0

UNIPOL GRUPPO FINANZIARIO

F
Y		 1
3		 F
Y
1
4
P
t
r
e-
a
x
l
t
r
e
s
u		 N
t
e
l
t
r
e
s
u		 P
t
r
e-
a
x
l
t
r
e
s
u		 N
t
e
l
t
r
e
s
u
N
L
i
f
o
n-
e		 8
6
5		 4
9
4		 1,
0
0
9		 6
9
9
f
L
i
e		 5
1
2		 3
6
3		 2
7
4		 1
7
1
*
B
k
i
t
a
n
n
g
s
e
c
o
r		 -6
2
4		 -4
4
1		 -2
9
7		 -2
2
5
O
h
t
e
r		 -2
3
1		 -2
2
8		 -1
8
5		 -1
3
9
T
l
l
i
d
d
l
t
t
t
o
a
c
o
n
s
o
a
e
r
e
s
u		 5
2
0		 1
8
8		 8
0
1		 5
5
0
T
l
G
l
t
t
o
a
r
o
u
p
r
e
s
u		 9
-7		 1
9
2

€m

* including provisions set aside by the holding company on bank loans object of the indemnity agreement. Operating figures

  • •Business highlights
  • •Consolidated results

•Insurance business

  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Direct insurance income

€m

17,883

8,969

9

  • •Business highlights
  • •Consolidated results

•Insurance business

  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Non-Life – Direct premium income

UNIPOLSAI

(-12,8%)

(-7,6%)

(-1,4%)

(-2,7%)

(+4,0%)

Premiums by company

F
Y
1
3		 F
Y
1
4		 ∆
%
S
U
i
l
i
n
p
o
a		 8,
8
0
0		 8,
0
0
0		 -9
1
%
L
i
i
g
r
a
u		 1
2
7		 1
4
6		 -1
5.
3
%
S
i
t
a		 1
2
0		 1
1
4		 -5
3
%
D
D
O
R		 6
4		 6
9		 %
7.
7
O
h
t
e
r		 1
0
0		 9
4		 -5
6
%
U
i
l
S
i
G
n
p
o
a
r
o
p
u		 9,
2
5
7		 8,
4
2
4		 -9
0
%

-5.9% excl. effect of ptf. sale to Allianz * 9,821 8,969-8.7%3,835 3,7595,986 5,209FY13 FY14Non-MV MV 58.1%14.2%13.3%8.5%6.0% MVAccident& HealthPropertyOther

UNIPOL GRUPPO FINANZIARIO

(-13.0%)(-4.4%)(-1.3%)(-2.7%)(+3.6%)General TPL

Premiums by company

F
Y
1
3		 F
Y
1
4		 ∆
%
U
i
l
S
i
G
n
p
o
a
r
o
u
p		 9,
2
5
7		 8,
4
2
4		 -9
0
%
L
i
n
e
a
r		 2
0
6		 1
2
7		 -1
6.
5
%
U
i
l
t
n
s
a
u
e		 2
4
8		 2
0
7		 9.
0
%
S
A
I
I
r
c
a
+		 1
1
0		 1
0
3		 -7
2
%
U
i
l
G
F
i
n
p
o
r
u
p
p
o
n.		 9,
8
2
1		 8,
9
6
9		 -8
7
%

€m

Non Life – Combined Ratio*

UnipolSai S.p.A. – MV TPL technical indicators, direct business

UNIPOLSAI S.p.A.

C
M
V
T
P
L
b
i
d
R
i
t
o
m
n
e
a
o		 F
Y
1
3		 F
Y
1
4
D
i
b
i
t
r
e
c
s
n
e
s
s
u		 9
1.
3
%		 9
2.
9
%
a
E
i
t
x
p
e
n
s
e
r
a
o		 1
9.
5
%		 2
1.
9
%
i
i
/
i
c
o
m
m
s
s
o
n
s
p
r
e
m
u
m
s		 1
2.
3
%		 1
2.
4
%
/
h
i
i
t
t
o
e
r
o
p
e
r
a
n
g
e
x
p.
p
r
e
m
u
m
s		 7.
2
%		 9.
5
%
b
L
i
(
i
l.
O
T
I
)
t
o
s
s
r
a
o
n
c		 1.
8
%
7		 1.
0
%
7
l
i
t
t
c
r
r
e
n
o
s
s
r
a
o
u		 6
%
5.
7		 6
9.
2
%
i
∆
p
r
e
o
s
e
a
r
s
v
u
y		 6.
1
%		 1.
%
7
O
h
M
V
T
P
L
i
d
i
t
t
e
r
n
c
a
o
r
s		 a
r.
v
*
F
Y
1
3
v
s
T
l
f
l
i
t
t
o
a
p
o
r
o
o		 2.
0
%
-
i
l
t
r
e
a		 -2
1
%
f
l
t
e
e
s		 -1
5
%
f
P
l
i
i
t
o
r
o
o
a
v
e
r
a
g
e
p
r
e
m
u
m		 %
-5
7
N
f
l
i
d
t
o.
o
c
a
m
s
r
e
p
o
r
e
(
f
l
l
d-
i
l
i
)
o
o
w
e
u
p
p
a
s
s
v
e
c
a
m
s		 -7
1
%
F
r
e
q
u
e
n
c
y		 0.
2
4
p.
p.
-

aoperating expenses/written premiums from direct business (before reinsurance)

bclaims charges/earned premiums from direct business (before reinsurance)

Non-Life – Insurance sector extra UnipolSai

ear iSalute ASSICURAZIONI
ASSICURAZIONI ONLINE SPECIALISTI NELL'ASSICURAZIONE SALUTE ARCA
F
Y
1
3		 F
Y
1
4		 ∆
%
P
i
i
r
e
m
u
m
n
c
o
m
e		 6
2
5		 4
5
5		 3.
1
%
-
M
V		 2
3
9		 2
0
0		 -1
6.
2
%
A
i
d
H
l
h
t
t
c
c
e
n
e
a
+		 2
8
6		 3
0
7		 7.
4
%
O
h
t
e
r		 3
7		 3
8		 0.
8
%
C
R
d
i
b
i
t
o
r
e
c
u
s
n
e
s
s		 8
1
%
5.		 8
6.
1
%		 1.
0
p.
p.
E
i
t
x
p
e
n
s
e
r
a
o		 1
6.
%
7		 1
8.
4
%		 1.
7
p.
p.
(
O
)
L
i
i
l.
T
I
t
o
s
s
r
a
o
n
c		 6
8.
4
%		 6
%
7.
7		 -0
7
p.
p.
I
A
S
l
t
t
n
e
r
e
s
u		 6
9		 9
7		 1
5.
1
%

€m

14

  • •Business highlights
  • •Consolidated results

•Insurance business

  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Life – Direct income

UNIPOLSAI

Premiums by company

F
Y
1
3		 F
Y
1
4		 ∆
%
U
ip
l
S
i
S.
A.
n
o
a
p.		 3,
4
3
8		 3,
6
9
6		 7.
5
%
Po
V
i
t
p.
a		 1,
5
8
4		 2,
9
8
2		 8
8.
3
%
La
L
i
fe
r.
w		 9
1
5		 6
8
2		 -2
8.
3
%
O
he
ie
t
r
c
o
m
p
a
n
s		 1
6
5		 2
2
4		 3
5.
8
%
U
i
l
S
i
G
n
p
o
a
r
o
p
u		 6,
1
3
7		 5
8
4
7,		 2
3.
6
%

UNIPOL GRUPPO FINANZIARIO

Premiums by company

F
Y
1
3		 F
Y
1
4		 ∆
%
U
ip
l
S
i
G
n
o
a
ro
u
p		 6,
1
3
7		 7,
5
8
4		 2
3.
6
%
Ar
V
i
A
V
I
t
c
a
a
+		 8
4
5		 1,
3
2
9		 5
7.
3
%
L
ine
L
i
fe
a
r		 1 1 2
2.
0
%
U
i
l
G
F
i
n
p
o
ru
p
p
o
n.		 6,
9
8
3		 8,
9
1
5		 2
7.
7
%

Life – Net inflows

€m

UNIPOL GRUPPO FINANZIARIO

17

Life – Insurance sector extra UnipolSai

€m

F
Y
1
3		 F
Y
1
4		 ∆
%
P
i
i
r
e
m
m
n
c
o
m
e
u		 5
8
4		 1,
3
2
9		 5
7.
3
%
Tr
d
i
ion
l
t
a
a		 3
0
7		 1,
2
1
4		 6
6.
2
%
Un
i
/
In
de
l
in
ke
d
t
x		 1
0
8		 9
2		 -1
5.
0
%
O
he
t
r		 7 2
3		 2
5
1.
3
%
I
A
S
l
t
t
n
e
r
e
s
u		 4
2		 4
5		 6.
6
%

Sales network 2,433 outlets

FY13 net inflows

  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business

•Banking business

  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Banking business – KPI

€m

c
o		 F
Y
1
3		 F
Y
1
4		 %
∆
Le
d
in
iew
n
g
re
v		 G
i
i
t
r
o
s
s
o
p
e
r
a
n
g
n
c
o
m
e		 3
6
6		 4
3
6		 1
9.
4
%
is
i
h
te
t
t
co
ns
n
w
A
Q
R		 /
in
in
t
t
o
e
re
s
c
o
m
e
w		 2
1
5		 2
5
5		 1.
9
%
/
in
in
t
t
o
no
n-
e
re
s
c
o
m
e
w		 1
1
5		 1
8
1		 4
%
5
7.
P
i
i
l
d
h
t
t
r
o
s
o
n
s
o
n
o
a
n
s
a
n
o
e
r
a
s
s
e
s
v		 -3
7
7		 -2
5
4		 -3
2.
6
%
G
l
t
r
o
s
s
r
e
s
u		 -4
2
6		 -1
0
3
**		 n.
s.
N
l
t
t
e
r
e
s
u		 -2
9
5		 -8
5
**		 n.
s.
C
/
I
t
o
s
n
c
o
m
e		 9.
1
%
7		 6
2
%
5.		 -1
3.
9
p.
p.
P
i
i
i
i
d
l
(
U
G
F
)
r
o
v
s
o
n
s
o
n
m
p
a
r
e
o
a
n
s		 -2
0
0		 -1
9
6		 -1
9
%
T
l
i
i
i
l
d
h
(
B
k
U
G
F
)
t
t
t
o
a
p
r
o
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s
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20

Banking business – Focus on lending

€m

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Break-down of overall impaired loans portfolio

  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • Solvency and dividends
  • •Appendix

•

Real Estate

Operating figures including adjustments following the merger and changes in value of the related RE funds the item includes capex, purchases, fixed assets in progress and equity for JVs the item includes the balance of the operation to transform the credit towards Im.Co / Sinergia into properties as a result of bankruptcyno. of deeds signed in 2014 amounting to 74

Diversified companies

€m

24

  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • Solvency and dividends
  • •Appendix

•

Investment management

equity 0.9 (1.6%)

cash 1.4 (2.7%)

bonds 51.2(94.3%)

Duration:Non-Life 3.5Life 6.1

Structured products – Focus on Levels 2 and 3

From 1 January 2013 to 31 January 2015:

•reduction in investment in Level 2 and 3 structured products for €3,317m

•realised gains of €39m

Income from financial investments

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UNIPOLSAI

UNIPOL GRUPPO FINANZIARIO

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€m

AFS reserve

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  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Solvency I - FY14

€bn

UNIPOLSAI

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UNIPOL GRUPPO FINANZIARIO

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  • •Business highlights
  • •Consolidated results
  • • Insurance business
  • •Non-Life insurance business
  • •Life insurance business
  • •Banking business
  • •Real Estate and diversified companies
  • •Investment management
  • •Solvency and dividends
  • •Appendix

Group structure

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Disclaimer

Maurizio Castellina, Senior Executive responsible for drawing up the corporate accounts of Unipol Gruppo Finanziario S.p.A. and UnipolSai Assicurazioni S.p.A., declares, in accordance with Article154-bis, para 2, of the 'Consolidated Finance Act', that the accounting information reported in this document correspond to the document contents, books and accounting records.

Investor Relations Contacts

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