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 19,000 employees and exclusive sales partners serve 10.1 million customers across 16 countries. Commanding a market share of around 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, Montenegro, North Macedonia, 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)

UNIQA Group at a glance

In € million

2018

2017

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

4,989.0

4,811.7

+3.7%

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

320.5

481.6

–33.5%

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

5,309.5

5,293.3

+0.3%

of which property and casualty insurance

2,774.4

2,639.7

+5.1%

of which health insurance

1,086.4

1,042.0

+4.3%

of which life insurance

1,448.6

1,611.6

–10.1%

of which recurring premiums

1,335.8

1,357.7

–1.6%

of which single premiums

112.7

254.0

–55.6%

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

5,309.5

5,293.3

+0.3%

of which UNIQA Austria

3,734.4

3,656.6

+2.1%

of which UNIQA International

1,564.6

1,608.5

–2.7%

of which reinsurance

1,098.3

1,091.6

+0.6%

of which consolidation

–1,087.9

–1,063.4

+2.3%

 

 

 

 

Premiums earned (net)

4,760.7

4,627.9

+2.9%

of which property and casualty insurance

2,584.1

2,495.1

+3.6%

of which health insurance

1,080.3

1,038.9

+4.0%

of which life insurance

1,096.3

1,094.0

+0.2%

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

320.9

476.2

–32.6%

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

5,081.7

5,104.1

–0.4%

 

 

 

 

Insurance benefits1)

–3,626.6

–3,547.4

+2.2%

of which property and casualty insurance

–1,690.1

–1,644.8

+2.8%

of which health insurance

–900.8

–877.6

+2.6%

of which life insurance2)

–1,035.7

–1,025.0

+1.0%

 

 

 

 

Operating expenses (net)3)

–1,314.7

–1,276.0

+3.0%

of which property and casualty insurance

–811.0

–788.5

+2.9%

of which health insurance

–183.9

–168.0

+9.4%

of which life insurance

–319.8

–319.5

+0.1%

Cost ratio (net after reinsurance)

25.9%

25.0%

 

 

 

 

Combined ratio (net after reinsurance)

96.8%

97.5%

 

 

 

 

Net investment income

581.2

572.1

+1.6%

 

 

 

 

Profit/(loss) on ordinary activities

294.6

264.6

+11.3%

Net profit/(loss)

235.1

184.4

+27.5%

Consolidated profit/(loss)

243.3

171.8

+41.6%

 

 

 

 

Operating return on equity

10.5%

10.2%

 

 

 

 

Investments

19,337.1

20,059.2

–3.6%

Shareholders’ equity

2,972.1

3,158.0

–5.9%

Equity, including non-controlling interests

2,986.6

3,249.4

–8.1%

Technical provisions (net)4)

21,644.8

21,793.3

–0.7%

Total assets

28,616.2

28,743.9

–0.4%

 

 

 

 

Number of insurance contracts

20,373,488

19,372,143

+5.2%

Average number of employees (FTE)

12,818

12,839

–0.2%

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.

Key figures at a glance 2014–2018

Consolidated key figures

1)

Proposal to the Annual General Meeting

in € million

2018

2017

2016

2015

2014

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

5,309

5,293

5,048

5,211

6,064

of which property and casualty insurance

2,774

2,640

2,518

2,439

2,621

of which health insurance

1,086

1,042

1,004

964

961

of which life insurance

1,449

1,612

1,526

1,807

2,483

Insurance benefits (net)

–3,627

–3,547

–3,386

–3,671

–4,384

of which property and casualty insurance

–1,690

–1,645

–1,551

–1,554

–1,724

of which health insurance

–901

–878

–844

–782

–781

of which life insurance

–1,036

–1,025

–991

–1,336

–1,880

Operating expenses (net)

–1,315

–1,276

–1,286

–1,190

–1,299

of which property and casualty insurance

–811

–788

–763

–700

–749

of which health insurance

–184

–168

–175

–154

–167

of which life insurance

–320

–320

–348

–337

–383

Combined ratio after reinsurance (in per cent)

96.8%

97.5%

98.1%

97.9%

99.6%

Claims rate (in per cent)

65.4%

65.9%

65.7%

67.5%

69.4%

Cost ratio (in per cent)

31.4%

31.6%

32.4%

30.4%

30.2%

Net investment income

581

572

589

732

888

Earnings before taxes

295

265

226

398

378

of which property and casualty insurance

120

95

58

71

61

of which health insurance

96

110

96

171

130

of which life insurance

78

60

72

155

187

Consolidated profit/(loss)

243

172

148

337

290

Earnings per share (in )

0.79

0.56

0.48

1.09

0.94

Dividend per share (in )

0.531)

0.51

0.49

0.47

0.42

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

2,972

3,158

3,186

3,145

3,082

Total assets

28,616

28,744

33,639

33,298

33,038

Operating return on equity (in per cent)

10.5%

10.2%

10.0%

17.2%

15.6%

Economic capital ratio – ECR ratio (in per cent)

205%

210%

215%

182%

150%