Unipol
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Unipol (UNI) investor relations material

Unipol Corporate presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Corporate presentation summary22 May, 2026

Market position and business model

  • Holds a 23% market share in Italy, leading in non-life and health insurance with strong retail and SME focus.

  • Operates the largest agency network with 1,800 agencies and 4,900 sub-agencies, plus 3,000 bank branches via bancassurance.

  • Main shareholder in BPER, leveraging a distinctive bancassurance model for steady inflows and low lapse risk.

  • Technical excellence in claims management and telematics, with 53% market share in Italy for telematics.

  • 99% of premiums collected domestically, with a diversified investment portfolio.

Financial performance and key figures

  • FY25 premiums up 11.1% to €17.4bn; net result up 40.5% to €1.53bn; dividends up 31.8% to €1.12/share.

  • Solvency ratio robust at 279% for Insurance Group and 230% for the Group.

  • 1Q26 net result at €329m (+15.4%), with strong technical performance and premium growth (+7.1%).

  • Combined ratio improved to 90.0% in 1Q26, with Motor at 93.6% and Non-Motor/Health at 86.7%.

  • 1Q26 Insurance Group solvency ratio at 295%, further strengthened by €1bn RT1 issuance.

Strategic plan 2025-2027: priorities and targets

  • Focus on industrial profitability, integrated data-driven retail platform, omnichannel distribution, and tech/AI skill development.

  • Motor: advanced data analytics, AI/ML pricing, and telematics for 10m insured vehicles.

  • Non-Motor: AI-driven product engineering, dynamic pricing, and NatCat claims model.

  • Life & Health: integrated insurance-services model, 11m health and 2.8m life customers, modular omnichannel offer.

  • Bancassurance: productivity boost via product innovation and multichannel services.

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Q2 20266 Aug, 2026
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