UNIQA Group at a glance
Consolidated key figures
UNIQA Group is one of the leading insurance groups in its two core markets: Austria and Central and Eastern Europe (CEE). Around 19,000 employees and exclusive sales partners serve 10.1 million customers across 16 countries. Commanding a market share of around 22 per cent, UNIQA is the second largest insurance group in Austria. In the CEE growth region, UNIQA is present in 15 markets: Albania, Bosnia and Herzegovina, Bulgaria, Croatia, the Czech Republic, Hungary, Kosovo, Montenegro, North Macedonia, Poland, Romania, Russia, Serbia, Slovakia and Ukraine.
Premium distribution
Balanced portfolio …
… in the core markets of Austria and CEE
UNIQA Group at a glance
In € million |
2018 |
2017 |
Change |
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|
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Premiums written |
4,989.0 |
4,811.7 |
+3.7% |
||||||||
Savings portions from unit-linked and index-linked life insurance (before reinsurance) |
320.5 |
481.6 |
–33.5% |
||||||||
Premiums written including savings portions from unit-linked and index-linked life insurance |
5,309.5 |
5,293.3 |
+0.3% |
||||||||
of which property and casualty insurance |
2,774.4 |
2,639.7 |
+5.1% |
||||||||
of which health insurance |
1,086.4 |
1,042.0 |
+4.3% |
||||||||
of which life insurance |
1,448.6 |
1,611.6 |
–10.1% |
||||||||
of which recurring premiums |
1,335.8 |
1,357.7 |
–1.6% |
||||||||
of which single premiums |
112.7 |
254.0 |
–55.6% |
||||||||
Premiums written including savings portions from unit-linked and index-linked life insurance |
5,309.5 |
5,293.3 |
+0.3% |
||||||||
of which UNIQA Austria |
3,734.4 |
3,656.6 |
+2.1% |
||||||||
of which UNIQA International |
1,564.6 |
1,608.5 |
–2.7% |
||||||||
of which reinsurance |
1,098.3 |
1,091.6 |
+0.6% |
||||||||
of which consolidation |
–1,087.9 |
–1,063.4 |
+2.3% |
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|
|
|
|
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Premiums earned (net) |
4,760.7 |
4,627.9 |
+2.9% |
||||||||
of which property and casualty insurance |
2,584.1 |
2,495.1 |
+3.6% |
||||||||
of which health insurance |
1,080.3 |
1,038.9 |
+4.0% |
||||||||
of which life insurance |
1,096.3 |
1,094.0 |
+0.2% |
||||||||
Savings portions from unit-linked and index-linked life insurance (after reinsurance) |
320.9 |
476.2 |
–32.6% |
||||||||
Premiums earned including savings portions from unit-linked and index-linked life insurance |
5,081.7 |
5,104.1 |
–0.4% |
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|
|
|
|
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Insurance benefits1) |
–3,626.6 |
–3,547.4 |
+2.2% |
||||||||
of which property and casualty insurance |
–1,690.1 |
–1,644.8 |
+2.8% |
||||||||
of which health insurance |
–900.8 |
–877.6 |
+2.6% |
||||||||
of which life insurance2) |
–1,035.7 |
–1,025.0 |
+1.0% |
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|
|
|
|
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Operating expenses (net)3) |
–1,314.7 |
–1,276.0 |
+3.0% |
||||||||
of which property and casualty insurance |
–811.0 |
–788.5 |
+2.9% |
||||||||
of which health insurance |
–183.9 |
–168.0 |
+9.4% |
||||||||
of which life insurance |
–319.8 |
–319.5 |
+0.1% |
||||||||
Cost ratio (net after reinsurance) |
25.9% |
25.0% |
– |
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|
|
|
|
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Combined ratio (net after reinsurance) |
96.8% |
97.5% |
– |
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|
|
|
|
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Net investment income |
581.2 |
572.1 |
+1.6% |
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|
|
|
|
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Profit/(loss) on ordinary activities |
294.6 |
264.6 |
+11.3% |
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Net profit/(loss) |
235.1 |
184.4 |
+27.5% |
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Consolidated profit/(loss) |
243.3 |
171.8 |
+41.6% |
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|
|
|
|
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Operating return on equity |
10.5% |
10.2% |
– |
||||||||
|
|
|
|
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Investments |
19,337.1 |
20,059.2 |
–3.6% |
||||||||
Shareholders’ equity |
2,972.1 |
3,158.0 |
–5.9% |
||||||||
Equity, including non-controlling interests |
2,986.6 |
3,249.4 |
–8.1% |
||||||||
Technical provisions (net)4) |
21,644.8 |
21,793.3 |
–0.7% |
||||||||
Total assets |
28,616.2 |
28,743.9 |
–0.4% |
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|
|
|
|
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Number of insurance contracts |
20,373,488 |
19,372,143 |
+5.2% |
||||||||
Average number of employees (FTE) |
12,818 |
12,839 |
–0.2% |
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Premiums written
In € million
1) Excluding Italy
(Including savings portions from unit-linked and index-linked life insurance)
Combined ratio
In per cent
(After reinsurance)
Earnings before taxes
In € million
1) Excluding Italy
Economic capital ratio (ECR ratio)
In per cent
Dividend per share
In €
1) Proposal to the Annual General Meeting
Operating return on equity
In per cent
Definitions of the essential key figures can be found in the glossary.
Key figures at a glance 2014–2018
Consolidated key figures |
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|
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in € million |
2018 |
2017 |
2016 |
2015 |
2014 |
||
Premiums written, including savings portions from unit-linked and index-linked life insurance |
5,309 |
5,293 |
5,048 |
5,211 |
6,064 |
||
of which property and casualty insurance |
2,774 |
2,640 |
2,518 |
2,439 |
2,621 |
||
of which health insurance |
1,086 |
1,042 |
1,004 |
964 |
961 |
||
of which life insurance |
1,449 |
1,612 |
1,526 |
1,807 |
2,483 |
||
Insurance benefits (net) |
–3,627 |
–3,547 |
–3,386 |
–3,671 |
–4,384 |
||
of which property and casualty insurance |
–1,690 |
–1,645 |
–1,551 |
–1,554 |
–1,724 |
||
of which health insurance |
–901 |
–878 |
–844 |
–782 |
–781 |
||
of which life insurance |
–1,036 |
–1,025 |
–991 |
–1,336 |
–1,880 |
||
Operating expenses (net) |
–1,315 |
–1,276 |
–1,286 |
–1,190 |
–1,299 |
||
of which property and casualty insurance |
–811 |
–788 |
–763 |
–700 |
–749 |
||
of which health insurance |
–184 |
–168 |
–175 |
–154 |
–167 |
||
of which life insurance |
–320 |
–320 |
–348 |
–337 |
–383 |
||
Combined ratio after reinsurance (in per cent) |
96.8% |
97.5% |
98.1% |
97.9% |
99.6% |
||
Claims rate (in per cent) |
65.4% |
65.9% |
65.7% |
67.5% |
69.4% |
||
Cost ratio (in per cent) |
31.4% |
31.6% |
32.4% |
30.4% |
30.2% |
||
Net investment income |
581 |
572 |
589 |
732 |
888 |
||
Earnings before taxes |
295 |
265 |
226 |
398 |
378 |
||
of which property and casualty insurance |
120 |
95 |
58 |
71 |
61 |
||
of which health insurance |
96 |
110 |
96 |
171 |
130 |
||
of which life insurance |
78 |
60 |
72 |
155 |
187 |
||
Consolidated profit/(loss) |
243 |
172 |
148 |
337 |
290 |
||
Earnings per share (in ) |
0.79 |
0.56 |
0.48 |
1.09 |
0.94 |
||
Dividend per share (in ) |
0.531) |
0.51 |
0.49 |
0.47 |
0.42 |
||
Equity (portion attributable to shareholders of UNIQA Insurance Group AG) |
2,972 |
3,158 |
3,186 |
3,145 |
3,082 |
||
Total assets |
28,616 |
28,744 |
33,639 |
33,298 |
33,038 |
||
Operating return on equity (in per cent) |
10.5% |
10.2% |
10.0% |
17.2% |
15.6% |
||
Economic capital ratio – ECR ratio (in per cent) |
205% |
210% |
215% |
182% |
150% |
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