Q3 2022 Unipol Gruppo SpA Earnings Call Transcript
[Interpreted] Good morning, ladies and gentlemen. This is the Chorus Call operator. Welcome to the Q&A session on the presentation of the results for the first 9 months of 2022 Gruppo Unipol. UnipolSai, General Director of Unipol, Matteo Laterza, will share with you a short introduction, and then he will accept questions. Mr. Laterza, the floor is yours.
[Interpreted] Good afternoon, ladies and gentlemen, and thank you for being with us. Now I'll have a short introduction of the results. You must have seen the presentation and even the press release. So we closed the first 9 months with a growth in terms of life but also nonlife business. And in particular, in the normalized business, we have the non-MV business development, plus 10%. We grow on all the businesses, especially the big development in the health area in terms of distribution. What is really significant is the growth coming from bancassurance.
In terms of profitability or combined ratio, what is very good is the
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