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Management Report and Parent Company Financial Statements Proposal 2013 Generali.Com 182 Nd Year

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Management Report and Parent Company Financial Statements Proposal 2013 Generali.Com 182 Nd Year Management Report and Parent Company Financial Statements Proposal 2013 generali.com 182 nd year Trieste - Italy Management Report and Parent Company Financial Statements Proposal 2013 4 | Assicurazioni Generali - Management Report and Parent Company Financial Statements Proposal 2013 CORPORATE BODIES as of 12 March 2014 Company established in Trieste in 1831 - Share Capital € 1,556,873,283.00 fully paid-up Fiscal code, VAT and Trieste Companies’ Register no. 00079760328 Company entered in the Register of Italian Insurance and Reinsurance Companies under no. 1.00003 - Parent Company of Generali Group, entered in the Register of Insurance Groups under no. 026 Pec: [email protected] Corporate bodies as of 12 March 2014 - Assicurazioni Generali | 5 CHAIRMAN Gabriele Galateri di Genola VICE-CHAIRMEN Francesco Gaetano Caltagirone Clemente Rebecchini GROUP CEO Mario Greco Managing Director and General Manager DIRECTORS Ornella Barra Alberta Figari Jean-René Fourtou Lorenzo Pellicioli Sabrina Pucci Paola Sapienza Paolo Scaroni STATUTORY AUDITORS Eugenio Colucci, Chairman Giuseppe Alessio Vernì Gaetano Terrin Maurizio Dattilo (substitute) Francesco Fallacara (substitute) SECRETARY OF THE BOARD Antonio Cangeri OF DIRECTORS CONTACTS Assicurazioni Generali S.p.A. P.zza Duca degli Abruzzi 2 - 34132 Trieste, Italy Investor Relations Tel. +39 040 671402 Fax + 39 040 671338 [email protected] Head: Spencer Horgan Media Relations Tel. +39 040 671085 Fax + 39 040 671127 [email protected] Head: Giulio Benedetti Shares & Participations Corporate Affairs Management Tel. +39 040 671621 Fax +39 040 671660 [email protected] [email protected] Head: Michele Amendolagine Corporate Social Responsibility Tel. +39 040 671060 [email protected] www.generali.com Head: Marina Donati INDEX MANAGEMENT REPORT ATTESTATION OF THE FINANCIAL Company highlights 10 STATEMENTS PURSUANT TO THE Business environment 12 PROVISIONS OF ARTICLE 154-BIS OF The Generali Group’s profile 16 LEGISLATIVE DECREE 58 OF FEBRUARY Strategic actions over the last year 17 24, 1998 AND CONSOB REGULATION Social and environmental commitment 22 11971 OF MAY 14, 1999 358 Part A – Information on operations 24 Part B – Risk report 67 BOARD OF AUDITORS’ REPORT 364 Appendix to the Report 77 INDEPENDENT AUDITOR’S REPORT PARENT COMPANY FINANCIAL AND ACTUARY’S REPORT 373 STATEMENTS Parent Company Balance sheet and Profit and loss account Balance sheet 89 Profit and loss account 103 Notes to the Parent Company financial statements Foreword 114 Part A – Summary of significant accounting policies 114 Part B – Information on the balance sheet and the profit and loss account 121 Part C – Other information 194 Cash flow statement 201 Appendices to the notes 209 Pro forma financial statement 291 Statement relating to the solvency margin 297 Securities and urban real estate on which revaluation have been carried out 301 Companies in which an unquoted shareholding (which is higher than 10%) is held. 306 Management Report Milan - Italy Management Report Milan - Italy 10 | Assicurazioni Generali – Management Report and Parent Company Financial Statements COMPANY HIGHLIGHTS The columns Pro Forma have been prepared making appropriate adjustments to the historic data, drawn up in accordance with the provisions of Legislative Decree 209/2005 and Legislative Decree 173/1997, to retroactively reflect, starting from 1st January 2012 and 2013, the significant effects of the transfer of the “Direzione per l’Italia” business unit to Generali Italia occurred in the year 2013. (in million euro) PRO FORMA 2013 PRO FORMA 2012 2013 2012 Net profits 163.5 110.8 569.3 130.7 Aggregate dividend 700.6 311.4 Increase 125.0% 0.0% Total net premiums 2,480.5 2,456.4 5,357.5 8,634.9 Total gross premiums 3,202.7 3,115.4 6,300.5 9,767.0 Total gross premiums from direct business 551.3 493.0 3,598.2 7,089.9 Increase on equivalent terms (a) 16.0% n.d. n.s. 2.5% Total gross premiums from indirect business 2,651.4 2,622.4 2,702.3 2,677.1 Increase on equivalent terms (a) 4.4% n.d. n.s. 7.2% Acquisition and administration costs 472.1 477.2 843.3 1,248.5 Expense ratio (b) 19.0% 19.4% 15.7% 14.5% Life business Total net premiums 1,547.3 1,721.5 3,261.9 5,302.1 Life gross premiums 1,813.0 1,969.9 3,530.0 5,555.8 Increase on equivalent terms (a) -5.7% n.d. n.s. 2.6% Life gross premiums from direct business 162.0 161.3 1,879.1 3,747.2 Increase on equivalent terms (a) -11.0% n.d. n.s. 2.7% Life gross premiums from indirect business 1,651.0 1,808.6 1,650.9 1,808.6 Increase on equivalent terms (a) -5.1% n.d. n.s. 2.4% Life acquisition and administration costs 262.3 287.4 386.8 542.4 Expense ratio (b) 16.9% 16.7% 11.9% 10.2% Non life business Total net premiums 933.2 734.9 2,095.6 3,332.8 Non-life gross premiums 1,389.7 1,145.5 2,770.5 4,211.2 Increase on equivalent terms (a) 24.5% n.d. n.s. 5.2% Non-life gross premiums from direct business 389.3 331.7 1,719.1 3,342.7 Increase on equivalent terms (a) 21.2% n.d. n.s. 2.1% Non-life gross premiums from indirect business 1,000.4 813.8 1,051.4 868.5 Increase on equivalent terms (a) 25.6% n.d. n.s. 19.0% Non-life acquisition and administration costs 209.8 189.8 456.5 706.1 Expense ratio (b) 22.5% 25.8% 21.7% 21.2% Non-life loss ratio (c) 72.0% 71.0% 70.1% 72.9% Non-life net combined ratio (d) 94.5% 96.8% 91.8% 94.1% Current financial result 1,038.8 1,170.9 1,778.2 2,394.7 (continues) Management Report - Assicurazioni Generali | 11 (in million euro) 2013 PRO FORMA 2012 2012 Technical provisions 10,789.0 11,664.4 41,784.8 Technical provisions life 9,247.7 10,198.7 35,025.9 Technical provisions non life 1,541.3 1,465.7 6,758.9 Investments 37,622.8 38,919.0 65,895.8 Capital and reserves 14,095.1 14,274.9 14,274.9 (a) At equivalent exchange rates. (b) Acquisition and administration costs on total premiums. (c) Claims, maturities and surrenders on earned premiums. (d) Sum of (b) and (c). 12 | Assicurazioni Generali – Management Report and Parent Company Financial Statements BUSINESS ENVIRONMENT Macro-economic scenario The economic activity in the Euro Area began to grow again in Germany, GDP shows a trend in growth of 0.5% mainly due to the second half of the year, after the contraction that had an increase in domestic demand. There was also a further characterized the first six months. The growth rate of GDP at improvement in the unemployment rate, already at historical the end of 2013 was therefore reduced to -0.4% compared to - lows, which stood at 5.2% in September. 0.6% in 2012. The recovery observed in the second half of the year was supported in particular by an improvement in exports, Recovery was also seen in France (+0.3% growth in GDP), from the expansionary monetary policy of the ECB and easing owing in particular to the increase in consumption. of austerity policies aimed at reducing the public deficit. The In the United States, economic growth continued (+2% change labor market remains weak with the unemployment rate steady in the GDP with respect to the same period in the prior year) at 12.0%. attributable to the contribution of foreign demand and the In Italy, the economy continued to contract (-1.9% decline in recovery of the real-estate market. In addition, the markets GDP). However, economic activity benefited from the significant benefited from the temporary measures adopted by the improvement from exports which, during the third trimester of government on 17 October, which avoided a default of the the year, increased by 0.7%. In addition, a slowdown in the Federal State. A decision on raising the debt ceiling is expected decline in consumption, decreasing by 1.9% in the third quarter for early 2014. compared to the same period last year. The conditions of the In China, the decline in global demand continued to negatively labor market have not improved, with the unemployment rate in affect the growth rate, which nonetheless remained very high November rising to 12.7% (11.5% at the end of 2012). In (+7.7% trend in the GDP at 31 December 2013). ANNUAL GDP DEVELOPMENT 2013 2012 10% 7.7% 8% 6% 7.7% 4% 1.9% 2% 0.5% 0.9% 0.3% 2.8% 0% -2.6% 0.1% -0.6% -2% -0.4% -1.9% -4% ITALY GERMANY FRANCE EUROZONE USA CHINA Management Report - Assicurazioni Generali | 13 Financial markets During 2013, the financial markets were characterized by a general increase in interest rates, which remain at very low levels, and the positive performance of the equity markets in the Euro Area. The trend was reinforced by the confirmation of an expansionary monetary policy by the Federal Reserve in September. The Bond markets was characterized by a positive trend in the value of government bonds of peripheral euro area countries, due to the reduction in the yield spread between government bonds of "core" countries and Peripheral countries. The yield on German ten-year government bonds rose from 1.32% at the end of 2012 to 1.74% at 31 December 2013 while the yield on ten-year Italian BTP compared to German bunds, was equal to 318 bps at the end of 2012, dropped to 219 bps at the end of 2013.
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