Operating segments


 

UNIQA Austria

Raiffeisen Insurance

UNIQA International

Reinsurance

Group functions and consolidation

Group

In € thousand

1-12/2015

1-12/2014

1-12/2015

1-12/2014

1-12/2015

1-12/2014

1-12/2015

1-12/2014

1-12/2015

1-12/2014

1-12/2015

1-12/2014

Premiums written (gross), including savings portions from unit-linked and index-linked life insurance

2,807,701

2,773,542

1,075,844

905,290

2,416,843

2,353,062

1,112,080

1,189,327

–1,087,337

–1,156,866

6,325,132

6,064,355

Premiums earned (net) including savings portions from the unit-linked and index-linked life insurance

2,229,856

2,137,021

965,061

793,957

1,892,310

1,822,239

1,014,440

1,080,886

1,155

4,932

6,102,823

5,839,035

Savings portions in unit-linked and index-linked life insurance (gross)

135,109

152,378

135,109

152,378

215,214

239,898

0

0

0

0

485,431

544,654

Savings portions in unit-linked and index-linked life insurance (net)

127,051

143,121

127,051

143,121

215,214

239,898

0

0

0

0

469,316

526,139

 

 

 

 

 

 

 

 

 

 

 

 

 

Premiums written (gross)

2,672,593

2,621,163

940,736

752,912

2,201,629

2,113,164

1,112,080

1,189,327

–1,087,337

–1,156,866

5,839,701

5,519,700

 

 

 

 

 

 

 

 

 

 

 

 

 

Premiums earned (net)

2,102,805

1,993,900

838,010

650,837

1,677,097

1,582,342

1,014,440

1,080,886

1,155

4,932

5,633,507

5,312,896

Premiums earned (net) - intragroup

–546,003

–587,892

–96,383

–91,943

–410,764

–446,736

1,051,994

1,121,639

1,155

4,932

0

0

Premiums earned (net) - non intragroup

2,648,808

2,581,791

934,392

742,780

2,087,860

2,029,078

–37,554

–40,753

0

0

5,633,507

5,312,896

Technical interest income

209,292

229,055

193,805

219,626

115,133

96,615

0

0

209

15,088

518,439

560,384

Other insurance income

1,900

3,137

997

917

21,340

25,931

631

1,115

5,801

3,392

30,669

34,492

Insurance benefits

–1,729,353

–1,637,225

–829,768

–685,206

–1,329,341

–1,253,637

–720,148

–800,808

1,043

–6,785

–4,607,567

–4,383,662

Operating expenses

–390,673

–407,088

–135,526

–112,121

–427,476

–434,847

–315,686

–335,108

–29,334

–9,943

–1,298,695

–1,299,106

Other technical expenses

–23,295

–37,881

–11,560

–14,841

–47,022

–50,823

–9,060

–12,193

14,448

18,440

–76,489

–97,298

Technical result

170,677

143,897

55,958

59,213

9,731

–34,419

–29,823

–66,109

–6,678

25,124

199,864

127,706

 

 

 

 

 

 

 

 

 

 

 

 

 

Net investment income

343,170

376,128

254,738

277,712

195,321

174,330

27,652

31,325

10,264

28,657

831,145

888,151

Other income

7,304

7,513

201

1,736

19,012

26,774

2,240

5,270

13,767

21,135

42,525

62,428

Reclassification of technical interest income

–209,292

–229,055

–193,805

–219,626

–115,133

–96,615

0

0

–209

–15,088

–518,439

–560,384

Other operating expenses

–11,781

–12,049

–503

–123

–34,809

–40,688

–2,204

–975

–11,695

–16,499

–60,993

–70,334

Non-technical result

129,400

142,537

60,631

59,699

64,391

63,800

27,687

35,621

12,128

18,204

294,238

319,860

 

 

 

 

 

 

 

 

 

 

 

 

 

Operating profit/(loss)

300,077

286,434

116,589

118,911

74,122

29,381

–2,136

–30,488

5,450

43,328

494,102

447,566

Amortisation of goodwill and impairment losses

–918

–1,875

–624

–189

–19,476

–30,228

0

0

0

0

–21,018

–32,292

Finance costs

–10,627

–10,627

–10,524

–10,094

–168

–317

0

0

–28,923

–16,304

–50,243

–37,343

Earnings before taxes

288,532

273,932

105,441

108,628

54,477

–1,164

–2,136

–30,488

–23,474

27,024

422,840

377,932

 

 

 

 

 

 

 

 

 

 

 

 

 

Combined ratio (property and casualty insurance, after reinsurance)

93.9%

91.8%

82.7%

88.1%

99.1%

102.3%

101.7%

104.8%

 

 

97.8%

99.6%

Cost ratio (after reinsurance)

17.5%

19.0%

14.0%

14.1%

22.6%

23.9%

31.1%

31.0%

 

 

21.3%

22.2%

© UNIQA Group 2016