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意大利忠利保险公司(ASSICURAZIONI GENERALI) 2025年年度综合报告及全年财务业绩(英文版)(458页).pdf

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1、ANNUAL INTEGRATEDREPORT AND CONSOLIDATEDFINANCIAL STATEMENTS 2025194th YEARANNUAL INTEGRATEDREPORT AND CONSOLIDATEDFINANCIAL STATEMENTS 2025Starring on the covers of the 2025 Reports is Valore Cultura,Generali Italias program celebrating ten years of supporting our countrys cultural and artistic her

2、itage,making it accessible to all,and enhancing communities and territories across every Italian region.Valore Cultura represents Generali Italias tangible commitment to social responsibility.In collaboration with museums,theaters,and iconic heritage sites,the program supports exhibitions and educat

3、ional projects to promote and make them increasingly accessible,fostering encounters with art and mindful participation from diverse audiences.Since 2016,it has reached 7.2 million people through more than 500 initiatives,involving 75,000 young people in workshops and artistic activities.Valore Cult

4、ura works to bring art closer to people,supporting its dissemination and accessibility,because culture is not just a heritage to preserve,but an experience to live.For this reason,it has engaged an ever-wider audience through free,inclusive,and high-value activities,including educational workshops,d

5、edicated paths for families,customers and employees,as well as exhibitions and conferences designed for the youth.In compliance with the provisions of Directive 2004/109/EC and Delegated Regulation 2019/815/EU(European Single Electronic reporting Format-ESEF),this Annual Integrated Report and Consol

6、idated Financial Statements is drafted also in XHTML format,available on the Group website.Please note that the Report is translated into English solely for the convenience of international readers.Annual Integrated Report and Consolidated Financial Statements 20252Generali GroupCORPORATE BODIES AT

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1. **战略与业绩**:Generali发布2025年综合报告,推出"Lifetime Partner 27: Driving Excellence"战略,目标2025-2027年每股收益年增8-10%,累计净现金流入超110亿欧元,分红超70亿欧元。 2. **财务表现**:2025年总保费981.24亿欧元(+3.6%),运营收益80.04亿欧元(+9.7%),调整后净利润43.15亿欧元(+14.5%),拟每股分红1.64欧元(+14.7%)。 3. **业务亮点**:寿险净流入134.87亿欧元(+42.5%),产险综合比率94.3%(-1.6个百分点),资产管理规模9000亿欧元(+4.3%),偿付率219%(+9个百分点)。 4. **可持续发展**:运营碳排放减少48.5%(vs 2019),气候解决方案投资87亿欧元,"The Human Safety Net"项目惠及51.5万人。 5. **市场动态**:完成Liberty Seguros整合,收购MGG Investment Group 77%股权,获Fitch评级上调至AA-。
**战略亮点?** **ESG成就?** **财务表现?**
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