UNIQA Group Report 2015 - Operational segments

Health insurance	UNIQA Austria		Raiffeisen Insurance		UNIQA International		Reinsurance		Group functions and consolidation		Group
In € thousand	1-12/2015	1-12/2014	1-12/2015	1-12/2014	1-12/2015	1-12/2014	1-12/2015	1-12/2014	1-12/2015	1-12/2014	1-12/2015	1-12/2014
Premiums written (gross)	921,619	887,275	0	0	76,928	73,547	646	1,544	–1,288	–1,591	997,906	960,776

Premiums earned (net)	921,923	886,949	0	0	75,591	71,725	227	1,424	–643	–112	997,098	959,986
Technical interest income	73,783	70,555	0	0	0	0	0	0	0	0	73,783	70,555
Other insurance income	230	118	0	0	1,324	1,406	0	0	0	0	1,553	1,524
Insurance benefits	–762,872	–744,309	0	0	–48,840	–45,724	–338	–252	10,865	9,762	–801,184	–780,523
Operating expenses	–121,753	–133,656	0	0	–30,952	–30,669	–24	–503	–11,929	–2,231	–164,658	–167,058
Other technical expenses	–2,056	–6,685	0	0	–431	–371	0	0	–227	–247	–2,714	–7,302
Technical result	109,255	72,972	0	0	–3,308	–3,632	–134	669	–1,934	7,172	103,879	77,182

Net investment income	151,840	127,596	0	0	2,965	1,714	0	6	–12,014	–8,612	142,791	120,704
Other income	486	193	0	0	1,742	2,039	2	0	3,421	1,819	5,650	4,051
Reclassification of technical interest income	–73,783	–70,555	0	0	0	0	0	0	0	0	–73,783	–70,555
Other operating expenses	–301	–21	0	0	–1,422	–1,380	0	0	–14	0	–1,736	–1,401
Non-technical result	78,241	57,212	0	0	3,285	2,374	2	7	–8,606	–6,794	72,922	52,799

Operating profit/(loss)	187,496	130,185	0	0	–23	–1,258	–132	676	–10,540	379	176,802	129,981
Amortisation of goodwill and impairment losses	0	0	0	0	0	0	0	0	0	0	0	0
Finance costs	0	0	0	0	0	0	0	0	–154	–234	–154	–234
Earnings before taxes	187,496	130,185	0	0	–23	–1,258	–132	676	–10,694	144	176,648	129,747