UNIQA Group at a glance
Consolidated key figures
The UNIQA Group is one of the leading insurance companies in its core markets of Austria and Central and Eastern Europe (CEE). Around 22,400 employees and exclusive sales partners serve almost 16 million customers across 18 countries. UNIQA is the second largest insurance group in Austria with a market share of about 21 per cent. 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. In addition, insurance companies in Switzerland and Liechtenstein are also part of the UNIQA Group.
Balanced portfolio ...
... in the core markets of Austria and CEE
Premium distribution
In € million |
2021 |
2020 |
Change |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
Premiums written |
6,033.4 |
5,261.2 |
+14.7% |
||||||||
Savings portions from unit-linked and index-linked life insurance (before reinsurance) |
324.6 |
304.1 |
+6.7% |
||||||||
Premiums written including savings portions from unit-linked and index-linked life insurance |
6,358.0 |
5,565.3 |
+14.2% |
||||||||
of which property and casualty insurance |
3,489.5 |
3,010.3 |
+15.9% |
||||||||
of which health insurance |
1,226.5 |
1,167.6 |
+5.0% |
||||||||
of which life insurance |
1,642.0 |
1,387.5 |
+18.3% |
||||||||
of which recurring premiums |
1,491.9 |
1,294.3 |
+15.3% |
||||||||
of which single premiums |
150.2 |
93.2 |
+61.1% |
||||||||
Premiums written including savings portions from unit-linked and index-linked life insurance |
6,358.0 |
5,565.3 |
+14.2% |
||||||||
of which UNIQA Austria |
3,916.6 |
3,837.5 |
+2.1% |
||||||||
of which UNIQA International |
2,423.3 |
1,705.4 |
+42.1% |
||||||||
of which reinsurance |
1,469.5 |
1,162.7 |
+26.4% |
||||||||
of which consolidation |
–1,451.4 |
–1,140.3 |
+27.3% |
||||||||
|
|
|
|
||||||||
Premiums earned (net) |
5,697.6 |
5,029.5 |
+13.3% |
||||||||
of which property and casualty insurance |
3,203.9 |
2,809.0 |
+14.1% |
||||||||
of which health insurance |
1,213.3 |
1,163.6 |
+4.3% |
||||||||
of which life insurance |
1,280.4 |
1,057.0 |
+21.1% |
||||||||
Savings portions from unit-linked and index-linked life insurance (after reinsurance) |
324.6 |
304.1 |
+6.7% |
||||||||
Premiums earned including savings portions from unit-linked and index-linked life insurance |
6,022.2 |
5,333.7 |
+12.9% |
||||||||
|
|
|
|
||||||||
Insurance benefits1) |
–4,104.2 |
–3,694.6 |
+11.1% |
||||||||
of which property and casualty insurance |
–1,965.1 |
–1,775.1 |
+10.7% |
||||||||
of which health insurance |
–997.7 |
–963.1 |
+3.6% |
||||||||
of which life insurance2) |
–1,141.4 |
–956.4 |
+19.3% |
||||||||
|
|
|
|
||||||||
Operating expenses (net)3) |
–1,648.5 |
–1,566.4 |
+5.2% |
||||||||
of which property and casualty insurance |
–1,037.8 |
–970.7 |
+6.9% |
||||||||
of which health insurance |
–206.6 |
–225.0 |
–8.2% |
||||||||
of which life insurance |
–404.1 |
–370.7 |
–9.0% |
||||||||
Cost ratio (net after reinsurance) |
27.4% |
29.4% |
– |
||||||||
|
|
|
|
||||||||
Combined ratio (after reinsurance) |
93.7% |
97.8% |
– |
||||||||
|
|
|
|
||||||||
Net investment income |
648.0 |
505.4 |
+28.2% |
||||||||
|
|
|
|
||||||||
Earnings before taxes |
382.3 |
57.1 |
+570.0% |
||||||||
Profit/loss for the period |
317.9 |
24.3 |
+1.209.3% |
||||||||
Consolidated profit/loss |
314.7 |
19.4 |
+1.521.7% |
||||||||
|
|
|
|
||||||||
Return on equity |
9.3 % |
0.6 % |
– |
||||||||
|
|
|
|
||||||||
Investments |
21,785.0 |
22,319.2 |
–2.4% |
||||||||
Equity |
3,303.6 |
3,450.1 |
–4.2% |
||||||||
Equity, including non-controlling interests |
3,323.3 |
3,474.8 |
–4.4% |
||||||||
Technical provisions (net)4) |
23,610.9 |
23,796.8 |
–0.8% |
||||||||
Total assets |
31,547.8 |
31,908.0 |
–1.1% |
||||||||
|
|
|
|
||||||||
Number of insurance contracts |
26,008,281 |
25,058,554 |
+3.8% |
||||||||
Average number of employees (FTE) |
14,849 |
13,408 |
+10.7% |
||||||||
|
|||||||||||
Premiums written
In € million
Combined ratio
In per cent
Earnings before taxes
In € million
Regulatory solvency capital requirement ratio (SCR)
In per cent
Dividend per share
In €
Return on equity
In per cent
In € million |
2021 |
2020 |
2019 |
2018 |
2017 |
||
|---|---|---|---|---|---|---|---|
Premiums written including savings portions from unit-linked and index-linked life insurance |
6,358 |
5,565 |
5,373 |
5,309 |
5,293 |
||
of which property and casualty insurance |
3,490 |
3,010 |
2,847 |
2,774 |
2,640 |
||
of which health insurance |
1,226 |
1,168 |
1,131 |
1,086 |
1,042 |
||
of which life insurance |
1,642 |
1,387 |
1,395 |
1,449 |
1,612 |
||
Insurance benefits (net) |
–4,104 |
–3,695 |
–3,666 |
–3,634 |
–3,547 |
||
of which property and casualty insurance |
–1,965 |
–1,775 |
–1,719 |
–1,690 |
–1,645 |
||
of which health insurance |
–998 |
–963 |
–969 |
–908 |
–878 |
||
of which life insurance |
–1,141 |
–956 |
–977 |
–1,036 |
–1,025 |
||
Operating expenses (net) |
–1,649 |
–1,566 |
–1,407 |
–1,315 |
–1,276 |
||
of which property and casualty insurance |
–1,038 |
–971 |
–861 |
–811 |
–788 |
||
of which health insurance |
–207 |
–225 |
–188 |
–184 |
–168 |
||
of which life insurance |
–404 |
–371 |
–358 |
–320 |
–320 |
||
Combined ratio after reinsurance (in per cent) |
93.7% |
97.8% |
96.4% |
96.8% |
97.5% |
||
Loss ratio (in per cent) |
61.3% |
63.2% |
64.2% |
65.4% |
65.9% |
||
Cost ratio (in per cent) |
32.4% |
34.6% |
32.2% |
31.4% |
31.6% |
||
Net investment income |
648 |
505 |
585 |
585 |
572 |
||
Earnings before taxes |
382 |
57 |
232 |
295 |
265 |
||
of which property and casualty insurance |
107 |
–68 |
61 |
120 |
95 |
||
of which health insurance |
173 |
80 |
86 |
96 |
110 |
||
of which life insurance |
102 |
45 |
85 |
78 |
60 |
||
Consolidated profit/(loss) |
315 |
19 |
171 |
243 |
172 |
||
Earnings per share (in €) |
1.03 |
0.06 |
0.56 |
0.79 |
0.56 |
||
Dividend per share (in €) |
0,551) |
0.18 |
0.18 |
0.53 |
0.51 |
||
Equity (portion attributable to shareholders of UNIQA Insurance Group AG) |
3,304 |
3,450 |
3,368 |
2,972 |
3,158 |
||
Total assets |
31,548 |
31,908 |
28,674 |
28,504 |
28,744 |
||
Operating return on equity (in per cent) |
9.3% |
0.6% |
5.4% |
7.9% |
5.1% |
||
Solvency capital requirement (SCR) ratio (in per cent) |
196% |
170% |
221% |
248% |
250% |
||
|
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