Presentation of consolidated results as at 31 March Carlo Cimbri CEO Bologna, 15 May 2014
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1 Presentation of consolidated results as at 31 March 2014 Carlo Cimbri CEO Bologna, 15 May 2014
2 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency NOTE: The data reported in this presentation are consolidated unless otherwise specified. UnipolSai data pertaining to 1Q13 are pro-forma consolidated and management figures and they relate to the UnipolSai Group basis of consolidation after the merger.
3 RESULTS BY BUSINESS SECTOR m UnipolSai additional taxation on write-up of Banca d Italia stakes 21m NON-LIFE LIFE RE OTHER BUSINESSES TOTAL Unipol Gruppo Finanziario 249 UGF provisions on Unipol Banca loans 25m NON-LIFE LIFE BANK RE HOLDING AND OTHER BUSINESSES TOTAL consolidated pre-tax result consolidated net result 3
4 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
5 DIRECT INSURANCE INCOME m 1Q13 4,485 4, % 4,019 4, % 1,755 2,036 1, % 2, % 2, ,449 2, % % 2, % % -2.3% UnipolSai Other companies Total Unipol Gruppo Finanziario UnipolSai Other companies Total Unipol Gruppo Finanziario Life premiums Non-Life premiums 5
6 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
7 NON-LIFE DIRECT PREMIUM INCOME m UnipolSai 2,265 2, % 11.1% MV UnipolSai S.p.A. 1, , , % -9.4% 62.4% 12.6% 7.4% Accident&Health Property General TPL Liguria 42 Siat 29 DDOR 19 Incontra 18 Other 8 UnipolSai Group 2,107 1Q13 6.4% Other Unipol Gruppo Finanziario 2,449 2, % 15.3% MV UnipolSai Group 2,107 Linear , , % -9.5% 60.0% 11.8% 6.9% Accident&Health Property General TPL Unisalute 108 Arca 25 Unipol Gruppo Finanziario 2,288 1Q13 6.1% Other Non-MV MV 7
8 NON-LIFE COMBINED RATIO UnipolSai Unipol Gruppo Finanziario Expense ratio 92.7% 16.4% 7.8% 24.2% 94.1% 17.5% 9.2% 26.7% 92.0% 15.5% 7.9% 23.4% 93.1% 16.4% 9.3% 25.7% Loss ratio a 68.6% 67.4% 68.6% 67.4% 1Q13 1Q13 commissions/premiums other oper. expenses/premiums loss ratio Combined ratio from direct business a including OTI/premiums 8
9 NON-LIFE MV TPL TECHNICAL INDICATORS UnipolSai S.p.A. var. vs FY13 Total portfolio o/w: Retail Fleets -0.4% -0.3% -2.6% Combined ratio a Expense ratio 88.4% 12.5% 6.3% 18.8% 90.3% 12.4% 8.1% 20.5% Portfolio average premium -2.3% 69.6% 70.0% Loss ratio b var. vs 1Q13 No. of claims reported (followed-up passive claims) -9.3% 1Q13 commissions/premiums Frequency -0.4 p.p. other oper. expenses/premiums loss ratio Management figures a direct business b including OTI/premiums 9
10 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
11 LIFE DIRECT INCOME UnipolSai m +13.7% 12.8% Index/Unit linked 254 (-62.2%) UnipolSai S.p.A ,755 1, % 3.8% 6.0% Capitalization 75 (-72.3%) Pension funds 120 (-8.9%) Popolare Vita 1,054 Other companies 42 UnipolSai Group 1,995 1Q13 Traditional 1,546 (+127.6%) Unipol Gruppo Finanziario 2, % 2, % 11.3% 3.1% 4.8% Index/Unit linked 280 (-60.2%) Capitalization 77 (-71.6%) Pension Funds 120 (-8.9%) UnipolSai Group 1,995 Arca Vita 478 Unipol Gruppo Finanziario 2,473 1Q13 Traditional 1,996 (+115.0%) 11
12 LIFE NET INFLOWS m 1Q13 UnipolSai +1,755-1, , PREMIUMS REDEMPTIONS MATURITIES/ ANNUITIES CLAIMS NET INFLOWS PREMIUMS REDEMPTIONS MATURITIES/ ANNUITIES CLAIMS NET INFLOWS Unipol Gruppo Finanziario +2,036-1, ,473-1, PREMIUMS REDEMPTIONS MATURITIES/ ANNUITIES CLAIMS NET INFLOWS PREMIUMS REDEMPTIONS MATURITIES/ ANNUITIES CLAIMS NET INFLOWS Management figures 12
13 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
14 BANKING BUSINESS m Direct deposits third parties Unipol Group securitisation 10,256 10, % % a 1,337 1, % 8,474 8, % Indicators Unipol Group lending indicators FY13 Net impaired loans 2,119 2,043 Net impaired loans / net loans 21.0% 20.5% % bad loans coverage ratio 50% 52% % impaired loans coverage ratio 37% 39% % total loans coverage ratio 12% 12% - 76m FY13 Capital indicators banking sector FY13 1Q4 Tier 1 ratio (= Core Tier 1 ratio) 7.7% 8.6% c Lending b Total capital ratio 13.4% 14.1% c customer securitised 10,071 9,959 2,863 2, % -3.4% Economic indicators banking sector Net interest income Gross operating income Cost/Income ratio 1Q % % 7,208 7, % Net result FY13 provisions on loans o/w Unipol Gruppo Finanziario S.p.A Aggregate management figures including Unipol Banca Group and Banca Sai Group a net of the amount relating to Unipol Assicurazioni s capital increase b net of provisions at UGF S.p.A. level C pro-forma management figures calculated according to Basel 3 standards, including Unipol Banca s capital increase of 100m already resolved. 14
15 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
16 REAL ESTATE EVOLUTION UNIPOL GRUPPO FINANZIARIO m 4, ,732 FY13 investments purchase sale depreciation writedown other a Management figures a the total amount includes exchange variation and movements in associated RE Funds 16
17 m OTHER ACTIVITIES MAIN COMPANIES NET RESULTS Tenute del Cerro (ex Saiagricola) Clinics Atahotels Marina di Loano Q13 IAS-compliant results 17
18 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real Estate and other activities Investment management Solvency
19 FINANCIAL INVESTMENTS bn UnipolSai Total investments 46.1bn Breakdown by asset Bond portfolio 43.0bn equity 1.0 (2.2%) cash 1.5 (3.2%) funds and other 0.6 (1.3%) Government other Countries 5.0% Corporate 4.7% Financials 12.7% Government Italy 77.6% bonds 43.0 (93.2%) Government 82.6% Unipol Gruppo Finanziario Total investments 51.6bn Breakdown by asset Bond portfolio 47.7bn equity 1.1 (2.2%) cash 2.2 (4.2%) funds and other 0.6 (1.2%) Government other countries 4.7% Corporate 4.3% Financials 13.0% Government Italy 78.0% bonds 47.7 (92.4%) Government 82.7% Investments relating to insurance companies managed by Unipol Group, excluding DDOR, DDOR RE, Lawrence Life and Class D, investments in subsidiaries, associates and JV, investments in RE and RE funds. Management figures. 19
20 INCOME FROM FINANCIAL INVESTMENTS m UnipolSai Unipol Gruppo Finanziario 5.63% 4.99% 3.74% 3.71% TOTAL % % % % coupons and dividends gains fair value through P&L total income coupons and dividends gains fair value through P&L total income 6.33% 5.02% NON-LIFE 2.90% % % % % % coupons and dividends gains fair value through P&L total income coupons and dividends gains fair value through P&L total income 4.19% 5.26% 4.15% 5.01% LIFE % % % % coupons and dividends gains fair value through P&L total income coupons and dividends gains fair value through P&L total income Income from insurance companies managed by Unipol Group, excluding DDOR, DDOR RE, Lawrence Life and Class D, investments in subsidiaries, associates and JV, investments in RE and RE funds. Management figures. 20
21 m AFS RESERVE Unipol Gruppo Finanziario UnipolSai 1,218m on 12 May ,055 1,179m on 12 May , Q13 1H13 9M13 FY13 FY13 bonds equity Total AFS reserve (group+third parties). Break-up based on in-house estimate.. 21
22 Consolidated results Insurance business Non-Life insurance business Life insurance business Agenda Banking business Real estate and other activities Investment management Solvency
23 SOLVENCY I AS AT 31 MARCH 2014 bn Unipol Gruppo Finanziario UnipolSai 1.6x 1.6x 1.5x 1.6x FY13 FY13 Figures include the convertible loan issued in April
24 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 Article 154-bis, para 2, of the Consolidated Finance Act, that the accounting information reported in this presentation correspond to the figures in the documents, books and accounting records. 24
25 INVESTOR RELATIONS CONTACTS Adriano Donati Tel IRO Giancarlo Lana Tel Eleonora Roncuzzi Tel Laura Marrone Tel Giuseppe Giuliani Tel Silvia Tonioli Tel
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