Segment reporting

Operating segments

In € thousand

UNIQA Austria

UNIQA International

Reinsurance

Group function

Consolidation

Group

1-12/2016

1-12/2015

1-12/2016

1-12/2015

1-12/2016

1-12/2015

1-12/2016

1-12/2015

1-12/2016

1-12/2015

1-12/2016

1-12/2015

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

3,631,453

3,883,545

1,399,890

1,302,758

1,130,795

1,112,080

0

0

–1,113,928

–1,087,337

5,048,210

5,211,046

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

2,941,445

3,194,917

962,994

913,196

1,022,692

1,014,440

0

0

–99,436

–105,529

4,827,696

5,017,025

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

246,038

270,217

159,060

111,795

0

0

0

0

0

0

405,097

382,012

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

225,666

254,102

159,060

111,795

0

0

0

0

0

0

384,725

365,897

 

 

 

 

 

 

 

 

 

 

 

 

 

Premiums written (gross)

3,385,416

3,613,328

1,240,830

1,190,962

1,130,795

1,112,080

0

0

–1,113,928

–1,087,337

4,643,113

4,829,034

 

 

 

 

 

 

 

 

 

 

 

 

 

Premiums earned (net)

2,715,779

2,940,815

803,935

801,401

1,022,692

1,014,440

0

0

–99,436

–105,529

4,442,970

4,651,128

Premiums earned (net) – intragroup

–635,317

–642,386

–332,689

–304,080

1,067,442

1,051,994

0

0

–99,436

–105,529

0

0

Premiums earned (net) – external

3,351,096

3,583,201

1,136,624

1,105,481

–44,750

–37,554

0

0

0

0

4,442,970

4,651,128

Technical interest income

306,825

403,097

26,510

28,435

0

0

0

0

0

209

333,334

431,740

Other insurance income

2,908

2,897

16,106

21,064

442

631

6,157

7,968

–1,776

–2,132

23,837

30,429

Insurance benefits

–2,292,130

–2,542,081

–484,946

–485,761

–694,723

–720,148

7,708

10,566

78,525

66,117

–3,385,566

–3,671,307

Operating expenses

–589,244

–537,469

–336,156

–333,823

–330,527

–315,686

–49,634

–27,899

19,166

24,442

–1,286,394

–1,190,435

Other technical expenses

–26,285

–34,855

–33,256

–35,366

–9,124

–9,060

–313

–905

14,656

14,504

–54,321

–65,682

Technical result

117,853

232,404

–7,807

–4,051

–11,240

–29,823

–36,081

–10,269

11,135

–2,389

73,861

185,872

 

 

 

 

 

 

 

 

 

 

 

 

 

Net investment income and income from investment property

460,087

597,908

63,542

97,255

29,923

27,652

152,773

207,095

–117,433

–197,926

588,892

731,983

Other income

7,914

7,506

21,091

12,305

1,844

2,240

10,896

13,798

823

–31

42,569

35,818

Reclassification of technical interest income

–306,825

–403,097

–26,510

–28,435

0

0

0

0

0

–209

–333,334

–431,740

Other expenses

–22,543

–12,285

–14,185

–28,948

–2,356

–2,204

–8,989

–8,624

–5,072

–3,629

–53,145

–55,691

Non-technical result

138,633

190,032

43,939

52,177

29,410

27,687

154,680

212,269

–121,681

–201,795

244,982

280,370

 

 

 

 

 

 

 

 

 

 

 

 

 

Operating profit/(loss)

256,487

422,436

36,132

48,126

18,170

–2,136

118,599

202,001

–110,546

–204,184

318,842

466,242

Amortisation of goodwill and impairment losses

–3,470

–1,542

–22,362

–16,638

0

0

0

0

0

0

–25,832

–18,181

Finance costs

–20,787

–21,151

–719

–168

–79

0

–67,456

–50,262

21,563

21,339

–67,477

–50,243

Profit/(loss) for the year from continuing operations

232,230

399,742

13,051

31,319

18,091

–2,136

51,143

151,739

–88,983

–182,846

225,533

397,818

 

 

 

 

 

 

 

 

 

 

 

 

 

Combined ratio (property and casualty insurance, after reinsurance)

93.7 %

92.9 %

99.2 %

99.2 %

100.0 %

101.7 %

n/a

n/a

n/a

n/a

98.1 %

97.9 %

Cost ratio (after reinsurance)

20.0 %

16.8 %

34.9 %

36.6 %

32.3 %

31.1 %

n/a

n/a

n/a

n/a

26.6 %

23.7 %