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 20,000 employees and exclusive sales partners serve 9.5 million customers across 16 countries. Commanding a market share of 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, Macedonia, Montenegro, Poland, Romania, Russia, Serbia, Slovakia and Ukraine.

Premium distribution

Balanced portfolio …
Balanced portfolio (pie chart)
… in the core markets of Austria and CEE
in the core markets of Austria and CEE (pie chart)

Consolidated key figures

(XLS:) Download

In € million

2017

2016

Change

1)

Including expenditure for deferred profit participation and premium refunds

2)

Including expenditure for (deferred) profit participation

3)

Less reinsurance commissions and share of profit from reinsurance ceded

4)

Including technical provisions for life insurance policies held on account and at risk of policyholders

Premiums written

4,811.7

4,643.1

3.6%

Savings portions from unit-linked and index-linked life insurance (before reinsurance)

481.6

405.1

+18.9%

Premiums written including savings portions from unit-linked and index-linked life insurance

5,293.3

5,048.2

4.9%

of which property and casualty insurance

2,639.7

2,518.4

+4.8%

of which health insurance

1,042.0

1,003.7

+3.8%

of which life insurance

1,611.6

1,526.1

+5.6%

of which recurring premiums

1,357.7

1,356.9

+0.1%

of which single premiums

254.0

169.2

+50.1%

Premiums written including savings portions from unit-linked and index-linked life insurance

5,293.3

5,048.2

4.9%

of which UNIQA Austria

3,656.6

3,631.5

+0.7%

of which UNIQA International

1,608.5

1,399.9

+14.9%

of which reinsurance

1,091.6

1,130.8

–3.5%

of which consolidation

–1,063.4

–1,113.9

–4.5%

 

 

 

 

Premiums earned (net)

4,627.9

4,443.0

4.2%

of which property and casualty insurance

2,495.1

2,359.1

+5.8%

of which health insurance

1,038.9

1,000.4

+3.9%

of which life insurance

1,094.0

1,083.6

+1.0%

Savings portions from unit-linked and index-linked life insurance (after reinsurance)

476.2

384.7

+23.8%

Premiums earned including savings portions from unit-linked and index-linked life insurance

5,104.1

4,827.7

5.7%

 

 

 

 

Insurance benefits1)

–3,558.6

–3,385.6

5.1%

of which property and casualty insurance

–1,644.8

–1,550.6

+6.1%

of which health insurance

–877.6

–843.6

+4.0%

of which life insurance2)

–1,036.2

–991.4

+4.5%

 

 

 

 

Operating expenses (net)3)

–1,276.0

–1,286.4

–0.8%

of which property and casualty insurance

–788.5

–763.2

+3.3%

of which health insurance

–168.0

–175.5

–4.3%

of which life insurance

–319.5

–347.7

–8.1%

Cost ratio (net after reinsurance)

25.00%

26.60%

–

 

 

 

 

Combined ratio (net after reinsurance)

97.50%

98.10%

–

 

 

 

 

Net investment income

560.9

588.9

–4.7%

 

 

 

 

Profit/(loss) on ordinary activities

242.2

225.5

7.4%

Net profit/(loss)

162.8

149.6

8.8%

Consolidated profit/(loss)

161.4

148.1

9.0%

 

 

 

 

Operating return on equity

9.30%

10.00%

–

 

 

 

 

Investments

19,877.7

20,024.8

–0.7%

Shareholders’ equity

3,177.6

3,186.3

–0.3%

Equity, including non-controlling interests

3,193.4

3,212.8

–0.6%

Technical provisions (net)4)

21,757.6

21,812.7

–0.3%

Total assets

28,743.9

33,639.2

–14.6%

 

 

 

 

Number of insurance contracts

19,372,143

18,785,051

+3.1%

Average number of employees (FTE)

12,839

12,855

–0.1%
Premiums written

In € million

Premiums written (bar chart)

1) Excluding Italy
(Including savings portions from unit-linked and index-linked life insurance)

Combined ratio

In per cent

Combined ratio (line chart)

(After reinsurance)

Earnings before taxes

In € million

Earnings before taxes (bar chart)

1) Excluding Italy

Economic capital ratio (ECR ratio)

In per cent

Economic capital ratio (ECR ratio) (line chart)
Dividend per share

In €

Dividend per share (bar chart)

1) Proposal to the Annual General Meeting

Operating return on equity

In per cent

Operating return on equity (line chart)

Definitions of the essential key figures can be found in the glossary

(XLS:) Download

Key figures at a glance 2013–2017

Consolidated key figures – 5-year comparison

In € million

2017

2016

2015

2014

2013

1)

Proposal to the Annual General Meeting

Premiums written, including savings portions from unit-linked and index-linked life insurance

5,293

5,048

5,211

6,064

5,886

of which property and casualty insurance

2,640

2,518

2,439

2,621

2,591

of which health insurance

1,042

1,004

964

961

938

of which life insurance

1,612

1,526

1,807

2,483

2,357

Insurance benefits (net)

–3,559

–3,386

–3,671

–4,384

–3,959

of which property and casualty insurance

–1,645

–1,551

–1,554

–1,724

–1,634

of which health insurance

–878

–844

–782

–781

–769

of which life insurance

–1,036

–991

–1,336

–1,880

–1,557

Operating expenses (net)

–1,276

–1,286

–1,190

–1,299

–1,354

of which property and casualty insurance

–788

–763

–700

–749

–803

of which health insurance

–168

–175

–154

–167

–162

of which life insurance

–320

–348

–337

–383

–389

Combined ratio after reinsurance (in per cent)

97.50%

98.10%

97.90%

99.60%

99.80%

Claims rate (in per cent)

65.90%

65.70%

67.50%

69.40%

66.90%

Cost ratio (in per cent)

31.60%

32.40%

30.40%

30.20%

32.90%

Net investment income

561

589

732

888

780

Earnings before taxes

242

226

398

378

308

of which property and casualty insurance

84

58

71

61

47

of which health insurance

110

96

171

130

84

of which life insurance

49

72

155

187

177

Consolidated profit/(loss)

161

148

337

290

285

Earnings per share (in €)

0.53

0.48

1.09

0.94

1.21

Dividend per share (in €)

0.511)

0.49

0.47

0.42

0.35

Equity (portion attributable to shareholders of UNIQA Insurance Group AG)

3,178

3,186

3,145

3,082

2,763

Total assets

28,744

33,639

33,298

33,038

31,002

Operating return on equity (in per cent)

9.30%

10.00%

17.20%

15.60%

14.60%

Economic capital ratio – ECR ratio (in per cent)

210%

215%

182%

150%

161%