UNIQA Group Report 2012 - Long-term growth strategy

With UNIQA 2.0, we have set ourselves clear, long-term targets. The focus is on sustainable growth. Our future success must not be based on positive non-recurring items. We achieve our sustainable income through hard work and by consistently and continuously implementing our plans. This continuity is borne out by the early contract extension up to 31 December 2016 for the members of the Management Board of the four main companies of the UNIQA Group – the listed holding company UNIQA Versicherungen AG as well as its three most important subsidiaries UNIQA Austria, Raiffeisen Insurance and UNIQA International. The team that developed the strategic programme UNIQA 2.0 will remain virtually unchanged as it oversees the programme's ongoing implementation.

The UNIQA 2.0 growth strategy


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	What is our goal? –––––––––– We intend to double the number of customers from 7.5 million to 15 million by 2020 –––––––––– As at the end of 2012: 8.7 million customers ––––––––––	How will we achieve this goal? –––––––––– We are concentrating on our core business in our core markets –––––––––– As at the end of 2012: Mannheimer Group, hotel and media investments sold; minority interests in Croatia, Poland and Hungary acquired ––––––––––	Where exactly do we intend to improve in our core business? –––––––––– Four-point programme: UNIQA Austria Raiffeisen Insurance UNIQA International Risk Management –––––––––– Status of the four-point programme at the end of 2012: UNIQA Austria: reorganisation of Austrian Federal States ongoing Raiffeisen Insurance: cooperation agreement with regional Raiffeisen banks UNIQA International: profitable growth Risk Management: risk position optimised ––––––––––	What do we need to do that? –––––––––– Strengthening the equity base –––––––––– As at the end of 2012: solvency ratio increased to 214.9 per cent ––––––––––	Why is that attractive for our shareholders? –––––––––– We intend to improve earnings by up to €400 million by 2015 –––––––––– As at the end of 2012: EBT of €205.4 million in 2012 ––––––––––

Continuity in management