Segment reporting

UNIQA International – classified by region

In € thousand	Premiums earned (net)		Net investment income		Insurance benefits		Operating expenses		Earnings before taxes
In € thousand	1–12/2019	1–12/2018	1–12/2019	1–12/2018	1–12/2019	1–12/2018	1–12/2019	1–12/2018	1–12/2019	1–12/2018
Poland	167,831	171,878	9,543	11,027	–99,535	–103,981	–60,215	–61,300	15,010	14,613
Slovakia	89,432	87,323	3,311	4,133	–47,675	–46,442	–37,874	–37,537	5,247	5,135
Czech Republic	183,097	169,564	7,372	3,161	–107,601	–97,710	–59,459	–53,794	22,499	20,147
Hungary	75,540	72,088	4,790	3,922	–23,609	–24,083	–33,371	–36,939	6,263	4,599
Central Europe (CE)	515,901	500,853	25,015	22,244	–278,420	–272,216	–190,919	–189,570	49,019	44,494
Romania	55,246	53,256	4,308	3,994	–18,212	–29,297	–35,897	–23,331	3,500	–475
Ukraine	90,442	65,608	1,144	4,363	–37,423	–33,363	–47,646	–33,534	6,687	3,157
Eastern Europe (EE)	145,688	118,864	5,452	8,357	–55,636	–62,659	–83,543	–56,865	10,187	2,682
Russia	87,098	95,276	6,557	29,337	–69,211	–79,199	–16,413	–13,924	19,480	16,483
Russia (RU)	87,098	95,276	6,557	29,337	–69,211	–79,199	–16,413	–13,924	19,480	16,483
Albania	34,400	31,544	432	970	–14,959	–11,281	–16,356	–15,288	1,227	1,451
Bosnia and Herzegovina	28,895	27,655	4,848	2,430	–19,109	–18,337	–11,431	–10,621	1,394	1,044
Bulgaria	46,499	48,612	1,534	1,460	–24,052	–31,584	–19,973	–16,502	3,476	1,720
Kosovo	11,693	9,655	203	176	–6,387	–4,628	–5,270	–4,492	255	785
Croatia	49,240	47,779	13,967	12,212	–34,989	–31,694	–20,939	–20,767	8,079	6,137
Montenegro	10,830	10,684	787	793	–5,686	–5,759	–5,139	–5,068	501	495
North Macedonia	13,647	12,157	356	360	–7,187	–5,588	–6,896	–5,722	–498	433
Serbia	39,470	38,860	3,592	3,988	–25,096	–25,166	–15,292	–14,595	2,007	1,908
Southeastern Europe (SEE)	234,673	226,946	25,718	22,390	–137,465	–134,037	–101,296	–93,055	16,439	13,973
Liechtenstein	1,189	16,412	16	404	–824	–13,677	–2,050	–3,169	–1,585	–477
Switzerland	0	0	–21	–16	0	0	0	0	169	131
Western Europe (WE)	1,189	16,412	–6	389	–824	–13,677	–2,050	–3,169	–1,417	–346
Austria	0	0	–1,150	–995	0	0	–20,659	–20,008	–23,092	–22,173
Administration	0	0	–1,150	–995	0	0	–20,659	–20,008	–23,092	–22,173
UNIQA International	984,549	958,350	61,587	81,720	–541,556	–561,788	–414,880	–376,591	70,617	55,112
Of which:
Earnings before taxes insurance companies									93,540	77,154
Impairment of goodwill									–2,053	–35