Group key figures

Premiums written

5,348.8

5,379.1

5,011.7

Savings portion of premiums from unit- and
index-linked life insurance (gross before reinsurance)

633.9

845.1

727.7

Premiums written including the savings portion of premiums from unit- and index-linked life insurance

5,982.8

6,224.2

5,739.3

of which property and casualty insurance

2,713.9

2,590.1

2,446.2

of which health insurance

1,004.9

970.4

937.4

of which life insurance

2,264.0

2,663.8

2,355.7

of which recurring premiums

1,662.3

1,580.1

1,501.1

of which single-premium business

601.7

1,083.7

854.6

Premiums written including the savings portion of premiums from unit- and index-linked life insurance

5,982.8

6,224.2

5,739.3

of which Austria

3,685.8

3,828.8

3,756.0

of which Central Europe

868.3

954.5

863.5

of which Eastern Europe

157.6

158.4

167.1

of which Southeastern Europe

187.4

169.3

122.1

of which Russia

26.8

11.7

0.1

of which Western Europe

1,056.9

1,101.5

830.4

Premiums earned (net)¹⁾

5,105.5

5,138.6

4,770.2

of which property and casualty insurance

2,556.4

2,431.1

2,290.1

of which health insurance

997.9

966.2

933.9

of which life insurance

1,551.2

1,741.4

1,546.2

Savings portion of premiums from unit- and
index-linked life insurance (net after reinsurance)

599.7

823.1

703.6

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

5,705.2

5,961.7

5,473.7

Net insurance benefits

–3,992.1

–4,458.3

–4,056.4

of which property and casualty insurance

–1,741.4

–1,740.8

–1,552.3

of which health insurance

–853.5

–839.4

–811.8

of which life insurance

–1,397.1

–1,878.1

–1,692.4

Operating expenses (net)²⁾

–1,548.3

–1,347.5

–1,252.4

of which property and casualty insurance

–945.2

–822.1

–788.6

of which health insurance

–162.5

–141.4

–126.0

of which life insurance

–440.6

–383.9

–337.8

Cost ratio (net after reinsurance)

27.1 %

22.6 %

22.9 %

Combined ratio (net after reinsurance)

105.1 %

105.4 %

102.7 %

Net investment income

226.6

872.3

751.7

Profit/loss on ordinary activities

–325.6

141.8

100.0

Net profit/loss

–243.8

90.9

55.7

Consolidated profit/loss

–245.6

42.3

25.7

Investments³⁾

24,601.1

24,778.7

23,438.4

Shareholders´ equity

875.9

1,277.2

1,322.8

Total equity including minority interests

1,095.6

1,521.5

1,553.8

Technical provisions (net)⁴⁾

23,116.8

22,770.1

21,472.5

Total assets

28,567.7

28,703.7

27,400.6

Number of insurance policies

17,017,636

16,471,128

15,343,004

Average number of employees (Notes)

15,081

15,066

15,107