Operational segments – classified by business line

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Property and casualty insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group function		Consolidation		Group
In € thousand	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)	1,568,649	1,540,752	942,343	883,626	1,081,063	1,060,821	0	0	–1,073,624	–1,046,014	2,518,432	2,439,186

Premiums earned (net)	940,937	910,145	517,339	502,988	999,749	992,086	0	0	–98,973	–103,949	2,359,053	2,301,270
Technical interest income	0	0	0	0	0	0	0	0	0	0	0	0
Other insurance income	2,095	1,349	10,919	16,334	200	197	6,157	7,968	–1,520	–1,770	17,852	24,078
Insurance benefits	–648,003	–633,414	–308,845	–296,443	–673,153	–697,115	175	56	79,232	73,232	–1,550,593	–1,553,683
Operating expenses	–233,945	–212,152	–204,377	–202,644	–326,255	–311,848	–17,182	–10,295	18,580	37,318	–763,180	–699,621
Other technical expenses	–6,253	–10,202	–29,983	–33,049	–5,467	–5,213	–161	–375	8,694	8,375	–33,171	–40,464
Technical result	54,831	55,727	–14,947	–12,814	–4,926	–21,892	–11,010	–2,647	6,013	13,207	29,961	31,580

Net investment income and income from investment property	27,602	49,172	32,943	44,381	20,020	17,421	174,190	185,769	–122,131	–179,499	132,626	117,245
Other income	5,464	6,521	7,064	7,891	1,784	2,183	8,052	9,988	837	–29	23,199	26,554
Reclassification of technical interest income	0	0	0	0	0	0	0	0	0	0	0	0
Other expenses	–17,252	–11,467	–10,753	–12,264	–2,322	–2,122	–6,583	–7,569	–4,084	–4,531	–40,994	–37,952
Non-technical result	15,814	44,226	29,254	40,008	19,482	17,482	175,659	188,189	–125,378	–184,059	114,831	105,846

Operating profit/(loss)	70,645	99,953	14,307	27,194	14,556	–4,410	164,648	185,542	–119,365	–170,852	144,791	137,426
Amortisation of goodwill and impairment losses	0	0	–19,516	–15,960	0	0	0	0	0	0	–19,516	–15,960
Finance costs	0	0	–719	–168	–79	0	–67,348	–50,108	776	187	–67,370	–50,089
Profit/(loss) for the year from continuing operations	70,645	99,953	–5,928	11,065	14,477	–4,410	97,300	135,434	–118,589	–170,665	57,905	71,376

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Health insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group function		Consolidation		Group
In € thousand	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)	956,280	921,619	47,692	43,416	1,988	646	0	0	–2,304	–1,288	1,003,656	964,393

Premiums earned (net)	955,332	921,923	44,011	42,548	1,424	227	0	0	–411	–800	1,000,356	963,899
Technical interest income	77,670	73,783	0	0	0	0	0	0	0	0	77,670	73,783
Other insurance income	317	230	1,602	1,322	0	0	0	0	0	0	1,918	1,552
Insurance benefits	–821,795	–762,872	–29,288	–29,551	–154	–338	7,532	10,510	133	530	–843,571	–781,721
Operating expenses	–143,119	–121,753	–19,794	–20,010	–672	–24	–11,976	–5,519	75	–6,386	–175,486	–153,693
Other technical expenses	–431	–2,056	–204	–364	0	0	–118	–227	0	0	–752	–2,647
Technical result	67,975	109,255	–3,673	–6,056	598	–134	–4,562	4,764	–203	–6,656	60,136	101,173

Net investment income and income from investment property	116,085	151,840	481	245	0	0	–4,544	–6,151	2,885	–5,863	114,907	140,071
Other income	965	486	1,707	1,742	0	2	2,341	3,421	0	0	5,013	5,650
Reclassification of technical interest income	–77,670	–73,783	0	0	0	0	0	0	0	0	–77,670	–73,783
Other expenses	–2,802	–301	–1,655	–1,422	0	0	–1,703	0	–66	21	–6,226	–1,702
Non-technical result	36,577	78,241	533	565	0	2	–3,906	–2,729	2,820	–5,842	36,023	70,236

Operating profit/(loss)	104,552	187,496	–3,141	–5,491	598	–132	–8,468	2,035	2,617	–12,498	96,159	171,410
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	–107	–154	0	0	–107	–154
Profit/(loss) for the year from continuing operations	104,552	187,496	–3,141	–5,491	598	–132	–8,575	1,881	2,617	–12,498	96,051	171,256

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Life insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group function		Consolidation		Group
In € thousand	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	1,106,524	1,421,174	409,855	375,715	47,744	50,612	0	0	–38,000	–40,034	1,526,123	1,807,467
Premiums earned (net), including savings portions from unit-linked and index-linked life insurance	1,045,175	1,362,849	401,644	367,660	21,519	22,127	0	0	–52	–780	1,468,287	1,751,856
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
	0	0	0	0	0	0	0	0	0	0	0	0
Premiums written (gross)	860,487	1,150,956	250,795	263,920	47,744	50,612	0	0	–38,000	–40,034	1,121,025	1,425,454

Premiums earned (net)	819,510	1,108,747	242,585	255,865	21,519	22,127	0	0	–52	–780	1,083,561	1,385,959
Technical interest income	229,154	329,314	26,510	28,435	0	0	0	0	0	209	255,664	357,957
Other insurance income	496	1,319	3,586	3,408	241	433	0	1	–256	–362	4,067	4,799
Insurance benefits	–822,332	–1,145,795	–146,814	–159,767	–21,415	–22,696	0	0	–840	–7,645	–991,401	–1,335,903
Operating expenses	–212,180	–203,564	–111,985	–111,169	–3,600	–3,815	–20,475	–12,084	511	–6,489	–347,728	–337,121
Other technical expenses	–19,601	–22,598	–3,068	–1,953	–3,657	–3,847	–35	–303	5,963	6,129	–20,398	–22,571
Technical result	–4,953	67,422	10,814	14,820	–6,912	–7,797	–20,509	–12,386	5,325	–8,939	–16,236	53,119

Net investment income and income from investment property	316,400	396,896	30,117	52,629	9,902	10,231	–16,873	27,477	1,812	–12,565	341,360	474,668
Other income	1,486	499	12,321	2,672	60	55	504	389	–13	–1	14,357	3,613
Reclassification of technical interest income	–229,154	–329,314	–26,510	–28,435	0	0	0	0	0	–209	–255,664	–357,957
Other expenses	–2,489	–517	–1,776	–15,263	–34	–82	–703	–1,055	–922	881	–5,925	–16,037
Non-technical result	86,243	67,564	14,152	11,603	9,928	10,203	–17,073	26,810	877	–11,894	94,128	104,287

Operating profit/(loss)	81,290	134,987	24,966	26,423	3,016	2,406	–37,582	14,424	6,202	–20,833	77,892	157,407
Amortisation of goodwill and impairment losses	–3,470	–1,542	–2,846	–678	0	0	0	0	0	0	–6,316	–2,220
Finance costs	–20,787	–21,151	0	0	0	0	0	0	20,787	21,151	0	0
Profit/(loss) for the year from continuing operations	57,033	112,293	22,120	25,745	3,016	2,406	–37,582	14,424	26,989	318	71,576	155,186

Annual Report 2016

Segment reporting

Operational segments – classified by business line