UNIQA Group at a glance

Consolidated key figures

Consolidated key figures

In € million

2016

2015

Change

1)

Consolidated amounts

2)

Less reinsurance commissions and share of profit from reinsurance ceded

3)

Including investment property, shares in associates, unit-linked and index-linked life insurance investments and current bank balances and cash-in-hand

4)

Including technical provisions for life insurance policies held on account and at risk of policyholders

Premiums written

4,643.1

4,829.0

–3.9%

Savings portions from unit-linked and index-linked life insurance (before reinsurance)

405.1

382.0

+6.0%

Premiums written including savings portions from unit-linked and index-linked life insurance

5,048.2

5,211.0

–3.1%

of which property and casualty insurance

2,518.4

2,439.2

+3.2%

of which health insurance

1,003.7

964.4

+4.1%

of which life insurance

1,526.1

1,807.5

–15.6%

of which recurring premiums

1,356.9

1,366.9

–0.7%

of which single premiums

169.2

440.6

–61.6%

Premiums written including savings portions from unit-linked and index-linked life insurance

5,048.2

5,211.0

–3.1%

of which UNIQA Austria

3,631.5

3,883.5

–6.5%

of which UNIQA International

1,399.9

1,302.8

+7.5%

of which reinsurance

1,130.8

1,112.1

+1.7%

of which consolidation

–1,113.9

–1,087.3

+2.4%

 

 

 

 

Premiums earned (net)1)

4,443.0

4,651.1

–4.5%

of which property and casualty insurance

2,359.1

2,301.3

+2.5%

of which health insurance

1,000.4

963.9

+3.8%

of which life insurance

1,083.6

1,386.0

–21.8%

Savings portions from unit-linked and index-linked life insurance (after reinsurance)

384.7

365.9

+5.1%

Premiums earned including savings portions from unit-linked and index-linked life insurance

4,827.7

5,017.0

–3.8%

 

 

 

 

Net insurance benefits

–3,385.6

–3,671.3

–7.8%

of which property and casualty insurance

–1,550.6

–1,553.7

–0.2%

of which health insurance

–843.6

–781.7

+7.9%

of which life insurance

–991.4

–1,335.9

–25.8%

 

 

 

 

Operating expenses (net)2)

–1,286.4

–1,190.4

8.1%

of which property and casualty insurance

–763.2

–699.6

+9.1%

of which health insurance

–175.5

–153.7

+14.2%

of which life insurance

–347.7

–337.1

+3.1%

Cost ratio (net after reinsurance)

26.6%

23.7%

 

 

 

 

Combined ratio (net after reinsurance)

98.1%

97.9%

 

 

 

 

Net investment income

588.9

732.0

–19.5%

 

 

 

 

Profit/loss on ordinary activities

225.5

397.8

–43.3%

Net profit/loss

149.6

340.7

–56.1%

Consolidated profit/loss

148.1

337.2

–56.1%

 

 

 

 

Operating return on equity

10.0%

17.2%

 

 

 

 

Investments3)

25,454.6

29,416.1

–13.5%

Shareholders’ equity

3,186.3

3,144.5

+1.3%

Equity including non-controlling interests

3,212.8

3,166.4

1.5%

Technical provisions (net)4)

21,812.7

25,638.9

–14.9%

Total assets

33,639.2

33,297.9

1.0%

 

 

 

 

Number of insurance contracts

18,785,051

19,254,690

–2.4%

Average number of employees

12,855

13,782

–6.7%

Premiums written
In € million
Premiums written (bar chart)Premiums written (bar chart)

1) Including Italy
(Including savings portions from unit-linked and index-linked life insurance)

Combined ratio
In percent
Combined ratio (line chart)Combined ratio (line chart)

(After reinsurance)

Earnings before taxes
In € million
Earnings before taxes (bar chart)Earnings before taxes (bar chart)

1) Including Italy

Economic capital ratio (ECR ratio)
In percent
Economic capital ratio (ECR ratio) (line chart)Economic capital ratio (ECR ratio) (line chart)
Dividend per share
In €
Dividend per share (bar chart)Dividend per share (bar chart)

1) Proposal to the Annual General Meeting

Operating return on equity
In percent
Operating return on equity (line chart)Operating return on equity (line chart)

Definitions of the essential key figures can be found in the glossary.

Key figures at a glance 2012 – 2016

In € million

2012

2013

2014

2015

2016

1)

Proposal to the Annual General Meeting

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

5,543

5,886

6,064

5,211

5,048

of which property and casualty insurance

2,546

2,591

2,621

2,439

2,518

of which health insurance

909

938

961

964

1,004

of which life insurance

2,088

2,357

2,483

1,807

1,526

Insurance benefits (net)

–3,759

–3,959

–4,384

–3,671

–3,386

of which property and casualty insurance

–1,639

–1,634

–1,724

–1,554

–1,551

of which health insurance

–756

–769

–781

–782

–844

of which life insurance

–1,363

–1,557

–1,880

–1,336

–991

Operating expenses (net)

–1,319

–1,354

–1,299

–1,190

–1,286

of which property and casualty insurance

–787

–803

–749

–700

–763

of which health insurance

–139

–162

–167

–154

–175

of which life insurance

–394

–389

–383

–337

–348

Combined ratio after reinsurance (in per cent)

101.3%

99.8%

99.6%

97.9%

98.1%

Claims rate (in per cent)

68.4%

66.9%

69.4%

67.5%

65.7%

Cost ratio (in per cent)

32.9%

32.9%

30.2%

30.4%

32.4%

Net investment income

791

780

888

732

589

Earnings before taxes

204

308

378

398

226

of which property and casualty insurance

–12

47

61

71

58

of which health insurance

103

84

130

171

96

of which life insurance

113

177

187

155

72

Consolidated profit/(loss)

127

285

290

337

148

Earnings per share (in €)

0.75

1.21

0.94

1.09

0.48

Dividend per share (in €)

0.25

0.35

0.42

0.47

0.491)

Equity (portion attributable to shareholders of UNIQA Insurance Group AG)

2,009

2,763

3,082

3,145

3,186

Total assets

30,055

31,002

33,038

33,298

33,639

Operating return on equity (in per cent)

16.0%

14.6%

15.6%

17.2%

10.0%

Economic capital ratio – ECR ratio (in per cent)

108%

161%

150%

182%

215%