Q3 2022 Uniqa Insurance Group AG Earnings Call Transcript
Good day, and welcome to the UNIQA Group results of the first -- the third quarter 2022 Conference Call. Please note today's conference is being recorded. I will now turn the conference over Kurt Svoboda. Please go ahead.
Thank you much, and welcome to UNIQA's presentation of the first 9 months results 2022. I go directly to Page #5 of the presentation, which is available via the website of UNIQA where the snapshot after 9 months shows us that we have a very good development on the profitability. The consolidated profit increased by 3 percentage points in relation to the year '21.
These are several effects. Let's start on the top line with a 4.3 percentage growth, which is, of course, driven by inflation and by indexation. I will come to that in a minute. But on the other hand, also the operative sales efforts have been very stable and are good after the 9 months and see no impact so far from the economy.
We have -- the next topic is the net
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