Segment reporting
Operating segments
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1–12/2021 |
1–12/2020 |
1–12/2021 |
1–12/2020 |
1–12/2021 |
1–12/2020 |
1–12/2021 |
1–12/2020 |
1–12/2021 |
1–12/2020 |
1–12/2021 |
1–12/2020 |
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Premiums written (gross), including savings portions from unit-linked and index-linked life insurance |
3,916,574 |
3,837,500 |
2,423,271 |
1,705,441 |
1,469,540 |
1,162,667 |
0 |
0 |
–1,451,386 |
–1,140,262 |
6,358,000 |
5,565,346 |
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Premiums earned (net), including savings portions from unit-linked and index-linked life insurance |
3,113,292 |
3,076,677 |
1,671,286 |
1,200,485 |
1,229,245 |
1,056,076 |
0 |
0 |
8,344 |
423 |
6,022,167 |
5,333,662 |
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Savings portions from unit-linked and index-linked life insurance (gross) |
213,210 |
207,018 |
111,385 |
97,104 |
0 |
0 |
0 |
0 |
0 |
0 |
324,595 |
304,122 |
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Savings portions from unit-linked and index-linked life insurance (net) |
213,210 |
207,018 |
111,385 |
97,104 |
0 |
0 |
0 |
0 |
0 |
0 |
324,595 |
304,122 |
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Premiums written (gross) |
3,703,364 |
3,630,482 |
2,311,886 |
1,608,337 |
1,469,540 |
1,162,667 |
0 |
0 |
–1,451,386 |
–1,140,262 |
6,033,405 |
5,261,224 |
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Premiums earned (net) |
2,900,082 |
2,869,659 |
1,559,901 |
1,103,382 |
1,229,245 |
1,056,076 |
0 |
0 |
8,344 |
423 |
5,697,572 |
5,029,539 |
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Premiums earned (net) – intragroup |
–766,653 |
–727,578 |
–565,542 |
–369,557 |
1,323,851 |
1,096,712 |
0 |
0 |
8,344 |
423 |
0 |
0 |
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Premiums earned (net) – external |
3,666,735 |
3,597,237 |
2,125,442 |
1,472,938 |
–94,605 |
–40,636 |
0 |
0 |
0 |
0 |
5,697,572 |
5,029,539 |
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Technical interest income |
289,740 |
294,250 |
29,209 |
27,875 |
0 |
0 |
0 |
0 |
0 |
0 |
318,949 |
322,125 |
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Other insurance income |
5,080 |
4,977 |
33,398 |
26,636 |
266 |
7,606 |
373 |
13,288 |
–10,836 |
–10,839 |
28,281 |
41,669 |
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Insurance benefits |
–2,442,288 |
–2,383,735 |
–874,992 |
–608,096 |
–787,981 |
–700,605 |
4,892 |
2,318 |
–3,835 |
–4,461 |
–4,104,204 |
–3,694,579 |
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Operating expenses |
–622,244 |
–719,347 |
–592,734 |
–466,354 |
–359,815 |
–310,966 |
–67,932 |
–80,049 |
–5,802 |
10,316 |
–1,648,527 |
–1,566,399 |
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Other technical expenses |
–20,688 |
–13,405 |
–54,732 |
–42,579 |
–16,633 |
–14,801 |
–7,311 |
–163 |
16,491 |
16,887 |
–82,874 |
–54,061 |
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Technical result |
109,682 |
52,399 |
100,050 |
40,864 |
65,083 |
37,311 |
–69,978 |
–64,606 |
4,361 |
12,327 |
209,197 |
78,295 |
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Net investment income |
567,298 |
160,801 |
72,030 |
106,084 |
33,708 |
6,899 |
606,776 |
96,202 |
–631,860 |
135,424 |
647,951 |
505,409 |
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Income from investments |
560,659 |
486,190 |
108,249 |
132,427 |
44,757 |
37,579 |
752,040 |
321,071 |
–630,647 |
–203,581 |
835,058 |
773,686 |
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Expenses from investments |
–91,965 |
–338,250 |
–36,491 |
–26,599 |
–11,049 |
–30,680 |
–156,274 |
–225,227 |
27,585 |
286,791 |
–268,193 |
–333,965 |
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Financial assets accounted for using the equity method |
98,604 |
12,861 |
272 |
256 |
0 |
0 |
11,009 |
358 |
–28,798 |
52,213 |
81,087 |
65,689 |
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Other income |
2,921 |
1,592 |
146,385 |
46,161 |
4,198 |
18,013 |
188,868 |
180,237 |
–41,991 |
–29,455 |
300,381 |
216,548 |
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Reclassification of technical interest income |
–289,740 |
–294,250 |
–29,209 |
–27,875 |
0 |
0 |
0 |
0 |
0 |
0 |
–318,949 |
–322,125 |
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Other expenses |
–11,144 |
–9,527 |
–81,462 |
–63,793 |
–4,462 |
–1,031 |
–192,040 |
–184,942 |
38,489 |
28,796 |
–250,619 |
–230,497 |
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Non-technical result |
269,336 |
–141,384 |
107,745 |
60,577 |
33,443 |
23,881 |
603,603 |
91,498 |
–635,362 |
134,764 |
378,765 |
169,335 |
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Operating profit/(loss) |
379,017 |
–88,985 |
207,795 |
101,441 |
98,526 |
61,192 |
533,625 |
26,892 |
–631,001 |
147,091 |
587,962 |
247,631 |
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Amortisation of VBI and impairment of goodwill |
–1,786 |
–1,786 |
–69,125 |
–123,947 |
0 |
0 |
0 |
0 |
0 |
–84 |
–70,911 |
–125,817 |
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Finance cost |
–38,016 |
–28,287 |
–4,995 |
–4,530 |
–2,901 |
–2,901 |
–155,772 |
–75,428 |
66,923 |
46,389 |
–134,762 |
–64,758 |
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Earnings before taxes |
339,215 |
–119,058 |
133,674 |
–27,036 |
95,625 |
58,291 |
377,853 |
–48,537 |
–564,078 |
193,396 |
382,289 |
57,056 |
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Combined ratio (property and casualty insurance, after reinsurance)1) |
91.7% |
98.7% |
92.9% |
93.3% |
93.8% |
95.8% |
n/a |
n/a |
n/a |
n/a |
93.7% |
97.8% |
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Cost ratio (after reinsurance)2) |
20.0% |
23.4% |
35.5% |
38.8% |
29.3% |
29.4% |
n/a |
n/a |
n/a |
n/a |
27.4% |
29.4% |
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