Generali SpA

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Reports and presentations

All corporate documents relating to the annual financial statements, the quarterly reports and company presentations can be found in this section.

Results at 30 September 2015

  • Net result of the first 9 months to € 1.7 billion (+8.7%) above full year 2014 result
  • Gross written premiums over € 54 bln (+5.1%), thanks to the excellent Life performance (+7%) and progress in P&C (+0.8%)
  • Operating result over € 3.8 bn (+4.7%) thanks to the strong development of the profitability in P&C (+4.8%) and the good performance in Life (+3.9%)
  • Annualised operating RoE at 13.9% progressing strongly
  • Combined ratio further improved to 92.7% (-0.8 p.p.), despite the higher impact of natural catastrophe claims
  • Stable capital position: pro-forma internal model Economic Solvency ratio at 196% (+10 p.p.), and Solvency I ratio achieved 166%

“In the first nine months of 2015 Generali has continued to improve technical performance. There has been significant growth in terms of premium income and profitability both in Life and, in particular, in P&C, reaching a net profit of € 1.7 billion, already surpassing 2014 full year result. In Life the strong development of linked and protection products progressed, with net inflows over € 11 billion, resulting in very positive expected impact on the profitability of the next years. In P&C segment, the combined ratio in the first nine months is further improved, despite heavier losses from natural catastrophes  and continued highly competitive markets. The P&C premium income is increasing, driven in particular by the CEE countries and non-motor. These results, as well as our stable and strong capital position, have led to an operating RoE at 13.9% on an annual basis, well above the 13% target level. Furthermore, the cash generation, which is one of our main strategic targets for the coming years, is progressing in line with our plans.
We are confident that we will close 2015 with a net profit significantly higher than 2014, also thanks to the good contribution that we expect in the last quarter of the year.”

Alberto Minali, Generali Group CFO

Interim management statement as of 30 September 2015 – Press release 721 kb


Presentation of results at 30 September 2015 739 kb


Pre-recorded video webcast 9M 2015


Webcast transcript 9M 2015 260 kb


Supplementary financial information as of 30 September 2015 327 kb


Infographics 9M 2015 100 kb


Q&A Audio 9M 2015