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Visual21 Nov 2025
Data center suppliers
Unipol (UNI) investor relations material
Unipol Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net profit reached €1,120m for the first nine months of 2025, up 54.7% year-over-year, including a positive one-off from the BPR Banca exchange tender offer and higher banking associate contributions.
Total premium volume rose 10.8% year-over-year to €12.6bn, with strong growth in both Non-Life and Life segments.
Solvency 2 ratio for the Insurance Group improved to 265%, up 5 percentage points from FY24.
A provision of nearly €80m was made in Q3 for the early retirement incentive fund, supporting generational change and technology adoption.
Dividend payments and capital movements factored into solvency calculations.
Financial highlights
Non-Life premiums grew 4.5% year-over-year to €6.8bn, while Life premiums surged 19.0% to €5.9bn.
Group net result increased 45.0% year-over-year to €1,120m, reflecting robust operational performance and higher banking associate contributions.
Combined ratio in Non-Life improved to 93.5% from 93.9% in 9M24.
Financial investment yields remained stable at 4.3% for both Life and Non-Life free capital.
Investments and cash equivalents increased 7.1% to €76.7bn.
Outlook and guidance
No changes to industrial plan targets despite potential impacts from proposed Italian tax law changes; any tax increases are not expected to materially affect targets.
The Group expects continued growth in both Non-Life and Life segments, supported by strong solvency and capital positions.
Early retirement fund provisions are expected to continue for at least the next two years to support HR transformation.
Strategic Plan 2025-2027 actions are being implemented and expected to yield further results in coming months.
Dividend estimates are included in solvency calculations, but actual FY25 dividends are not yet determined.
Clarify BPER/BPSO contribution to net profit
What drove the life business growth disparity?
Explain the difference in solvency ratios
Future impact of staff exit provisions
Solvency impact of banking perimeter rules
Nat cat corporate platform risk management
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Frequently asked questions
Unipol Gruppo S.p.A. is an insurance company based in Italy. Its operations extend across various segments, including insurance, banking, real estate, and other businesses, thereby providing a comprehensive range of products and services. The company's insurance division, through UnipolSai Assicurazioni SpA, delivers both life and non-life insurance policies, including motor vehicle and health insurance, alongside offering bancassurance products. The banking division encompasses traditional banking activities, portfolio management, and investment services. Unipol Gruppo's real estate division is focused on managing real estate assets, while its other businesses span hospitality, healthcare, and agriculture. Unipol Gruppo S.p.A. is headquartered in Bologna, Italy, and its shares are listed on the Italian Stock Exchange.
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