Operating segments – classified by business line

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Property and casualty insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross)	1,973,648	1,857,585	1,701,066	1,618,657	1,430,641	1,425,000	0	0	–1,419,334	–1,411,709	3,686,021	3,489,533

Premiums earned (net)	1,142,161	1,086,677	967,276	902,411	1,297,333	1,206,962	0	0	2,123	7,814	3,408,893	3,203,865
Technical interest income	0	0	1,638	0	0	0	0	0	0	0	1,638	0
Other insurance income	3,159	3,069	19,311	12,901	236	237	276	308	–6,337	–5,404	16,645	11,111
Insurance benefits	–747,796	–684,823	–521,624	–505,832	–812,509	–775,000	0	0	–1,336	532	–2,083,265	–1,965,123
Operating expenses	–305,935	–311,854	–356,797	–332,185	–393,291	–356,610	–24,175	–31,873	–3,262	–5,240	–1,083,459	–1,037,763
Other technical expenses	–7,754	–13,377	–52,237	–45,434	–14,455	–13,718	–4,765	–7,204	14,076	11,579	–65,136	–68,153
Technical result	83,835	79,692	57,568	31,861	77,314	61,871	–28,664	–38,769	5,263	9,282	195,316	143,937

Net investment income	18,958	132,858	37,876	34,829	–5,055	28,904	301,964	467,151	–349,325	–528,547	4,418	135,195
Income from investments	168,367	162,308	88,310	49,471	60,775	39,953	529,306	561,625	–508,178	–545,387	338,580	267,971
Expenses from investments	–149,859	–31,007	–53,183	–14,915	–65,830	–11,049	–227,387	–96,031	148,019	8,523	–348,239	–144,478
Financial assets accounted for using the equity method	451	1,556	2,748	272	0	0	44	1,557	10,834	8,318	14,077	11,703
Other income	3,223	2,237	19,662	17,058	11,288	4,019	5,483	6,568	15,685	382	55,341	30,264
Reclassification of technical interest income	0	0	–1,638	0	0	0	0	0	0	0	–1,638	0
Other expenses	–22,264	–10,284	–29,622	–19,572	–5,394	–4,259	–7,716	–10,138	–2,787	99	–67,785	–44,153
Non-technical result	–82	124,812	26,278	32,314	838	28,665	299,730	463,581	–336,427	–528,065	–9,663	121,306

Operating profit/(loss)	83,753	204,504	83,846	64,175	78,152	90,536	271,067	424,812	–331,164	–518,784	185,653	265,243
Amortisation of VBI and impairment of goodwill	0	0	–10,078	–23,365	0	0	–23	0	0	0	–10,101	–23,365
Finance cost	–11,394	–13,218	–5,255	–4,606	–2,901	–2,901	–61,496	–141,541	29,095	27,734	–51,952	–134,532
Earnings before taxes	72,359	191,286	68,512	36,204	75,250	87,635	209,548	283,271	–302,069	–491,049	123,600	107,347

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Property and casualty insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross)	1,973,648	1,857,585	1,701,066	1,618,657	1,430,641	1,425,000	0	0	–1,419,334	–1,411,709	3,686,021	3,489,533

Premiums earned (net)	1,142,161	1,086,677	967,276	902,411	1,297,333	1,206,962	0	0	2,123	7,814	3,408,893	3,203,865
Technical interest income	0	0	1,638	0	0	0	0	0	0	0	1,638	0
Other insurance income	3,159	3,069	19,311	12,901	236	237	276	308	–6,337	–5,404	16,645	11,111
Insurance benefits	–747,796	–684,823	–521,624	–505,832	–812,509	–775,000	0	0	–1,336	532	–2,083,265	–1,965,123
Operating expenses	–305,935	–311,854	–356,797	–332,185	–393,291	–356,610	–24,175	–31,873	–3,262	–5,240	–1,083,459	–1,037,763
Other technical expenses	–7,754	–13,377	–52,237	–45,434	–14,455	–13,718	–4,765	–7,204	14,076	11,579	–65,136	–68,153
Technical result	83,835	79,692	57,568	31,861	77,314	61,871	–28,664	–38,769	5,263	9,282	195,316	143,937

Net investment income	18,958	132,858	37,876	34,829	–5,055	28,904	301,964	467,151	–349,325	–528,547	4,418	135,195
Income from investments	168,367	162,308	88,310	49,471	60,775	39,953	529,306	561,625	–508,178	–545,387	338,580	267,971
Expenses from investments	–149,859	–31,007	–53,183	–14,915	–65,830	–11,049	–227,387	–96,031	148,019	8,523	–348,239	–144,478
Financial assets accounted for using the equity method	451	1,556	2,748	272	0	0	44	1,557	10,834	8,318	14,077	11,703
Other income	3,223	2,237	19,662	17,058	11,288	4,019	5,483	6,568	15,685	382	55,341	30,264
Reclassification of technical interest income	0	0	–1,638	0	0	0	0	0	0	0	–1,638	0
Other expenses	–22,264	–10,284	–29,622	–19,572	–5,394	–4,259	–7,716	–10,138	–2,787	99	–67,785	–44,153
Non-technical result	–82	124,812	26,278	32,314	838	28,665	299,730	463,581	–336,427	–528,065	–9,663	121,306

Operating profit/(loss)	83,753	204,504	83,846	64,175	78,152	90,536	271,067	424,812	–331,164	–518,784	185,653	265,243
Amortisation of VBI and impairment of goodwill	0	0	–10,078	–23,365	0	0	–23	0	0	0	–10,101	–23,365
Finance cost	–11,394	–13,218	–5,255	–4,606	–2,901	–2,901	–61,496	–141,541	29,095	27,734	–51,952	–134,532
Earnings before taxes	72,359	191,286	68,512	36,204	75,250	87,635	209,548	283,271	–302,069	–491,049	123,600	107,347

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Health insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross)	1,162,084	1,120,480	115,251	105,978	–45	8,729	0	0	45	–8,729	1,277,335	1,226,458

Premiums earned (net)	1,163,153	1,111,095	106,627	93,402	–720	8,460	0	0	485	305	1,269,545	1,213,262
Technical interest income	94,183	91,100	2	2	0	0	0	0	0	0	94,185	91,102
Other insurance income	1,266	1,726	573	218	0	0	0	0	0	0	1,840	1,944
Insurance benefits	–1,031,575	–947,665	–53,540	–49,879	–278	–4,919	5,075	4,892	–1,906	–156	–1,082,223	–997,727
Operating expenses	–148,667	–151,080	–43,267	–36,119	–366	–197	–17,143	–19,237	672	9	–208,770	–206,624
Other technical expenses	–121	–1,433	–926	–616	–722	0	2	–66	23	0	–1,744	–2,115
Technical result	78,239	103,743	9,469	7,007	–2,085	3,344	–12,066	–14,411	–725	158	72,831	99,841

Net investment income	5,317	111,968	262	163	0	0	71,187	88,840	63,261	–37,847	140,027	163,124
Income from investments	194,335	102,578	334	223	0	0	161,095	116,721	–59,020	–25,769	296,744	193,754
Expenses from investments	–200,941	–31,745	–72	–61	0	0	–89,907	–27,881	96,337	2,258	–194,584	–57,429
Financial assets accounted for using the equity method	11,923	41,134	0	0	0	0	0	0	25,944	–14,336	37,867	26,799
Other income	646	551	3,667	3,691	0	52	202,755	181,145	–41,825	–29,538	165,243	155,902
Reclassification of technical interest income	–94,183	–91,100	–2	–2	0	0	0	0	0	0	–94,185	–91,102
Other expenses	–994	–696	–3,988	–3,715	–536	–159	–200,814	–179,839	42,229	29,655	–164,103	–154,754
Non-technical result	–89,214	20,722	–61	138	–536	–107	73,128	90,147	63,664	–37,730	46,981	73,170

Operating profit/(loss)	–10,975	124,466	9,409	7,145	–2,622	3,237	61,062	75,736	62,939	–37,572	119,813	173,011
Amortisation of VBI and impairment of goodwill	0	0	–149	–172	0	0	0	0	0	0	–149	–172
Finance cost	191	190	–1	–4	0	0	–15	–42	1	1	176	146
Earnings before taxes	–10,784	124,656	9,259	6,969	–2,622	3,237	61,047	75,695	62,940	–37,572	119,840	172,985

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Health insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross)	1,162,084	1,120,480	115,251	105,978	–45	8,729	0	0	45	–8,729	1,277,335	1,226,458

Premiums earned (net)	1,163,153	1,111,095	106,627	93,402	–720	8,460	0	0	485	305	1,269,545	1,213,262
Technical interest income	94,183	91,100	2	2	0	0	0	0	0	0	94,185	91,102
Other insurance income	1,266	1,726	573	218	0	0	0	0	0	0	1,840	1,944
Insurance benefits	–1,031,575	–947,665	–53,540	–49,879	–278	–4,919	5,075	4,892	–1,906	–156	–1,082,223	–997,727
Operating expenses	–148,667	–151,080	–43,267	–36,119	–366	–197	–17,143	–19,237	672	9	–208,770	–206,624
Other technical expenses	–121	–1,433	–926	–616	–722	0	2	–66	23	0	–1,744	–2,115
Technical result	78,239	103,743	9,469	7,007	–2,085	3,344	–12,066	–14,411	–725	158	72,831	99,841

Net investment income	5,317	111,968	262	163	0	0	71,187	88,840	63,261	–37,847	140,027	163,124
Income from investments	194,335	102,578	334	223	0	0	161,095	116,721	–59,020	–25,769	296,744	193,754
Expenses from investments	–200,941	–31,745	–72	–61	0	0	–89,907	–27,881	96,337	2,258	–194,584	–57,429
Financial assets accounted for using the equity method	11,923	41,134	0	0	0	0	0	0	25,944	–14,336	37,867	26,799
Other income	646	551	3,667	3,691	0	52	202,755	181,145	–41,825	–29,538	165,243	155,902
Reclassification of technical interest income	–94,183	–91,100	–2	–2	0	0	0	0	0	0	–94,185	–91,102
Other expenses	–994	–696	–3,988	–3,715	–536	–159	–200,814	–179,839	42,229	29,655	–164,103	–154,754
Non-technical result	–89,214	20,722	–61	138	–536	–107	73,128	90,147	63,664	–37,730	46,981	73,170

Operating profit/(loss)	–10,975	124,466	9,409	7,145	–2,622	3,237	61,062	75,736	62,939	–37,572	119,813	173,011
Amortisation of VBI and impairment of goodwill	0	0	–149	–172	0	0	0	0	0	0	–149	–172
Finance cost	191	190	–1	–4	0	0	–15	–42	1	1	176	146
Earnings before taxes	–10,784	124,656	9,259	6,969	–2,622	3,237	61,047	75,695	62,940	–37,572	119,840	172,985

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Life insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross), including savings portions from unit-linked and index-linked life insurance	950,623	938,508	690,314	698,637	30,679	35,811	0	0	–29,733	–30,947	1,641,882	1,642,009
Premiums earned (net), including savings portions from unit-linked and index-linked life insurance	931,066	915,520	663,005	675,472	11,673	13,824	0	0	60	225	1,605,804	1,605,041
Savings portions from unit-linked and index-linked life insurance (gross)	233,043	213,210	101,962	111,385	0	0	0	0	0	0	335,005	324,595
Savings portions from unit-linked and index-linked life insurance (net)	233,043	213,210	101,962	111,385	0	0	0	0	0	0	335,005	324,595

Premiums written (gross)	717,580	725,299	588,351	587,252	30,679	35,811	0	0	–29,733	–30,947	1,306,877	1,317,414

Premiums earned (net)	698,023	702,311	561,043	564,087	11,673	13,824	0	0	60	225	1,270,799	1,280,446
Technical interest income	192,730	198,639	31,498	29,207	0	0	0	0	0	0	224,228	227,846
Other insurance income	53	285	9,424	20,280	43	29	4	65	–3,184	–5,432	6,340	15,227
Insurance benefits	–634,934	–809,800	–284,401	–319,281	–9,213	–8,062	0	0	–1,806	–4,212	–930,354	–1,141,354
Operating expenses	–172,248	–159,310	–232,302	–224,430	–2,116	–3,008	–14,477	–16,822	1,650	–571	–419,492	–404,140
Other technical expenses	–4,465	–5,879	–6,401	–8,682	–2,625	–2,915	–85	–41	4,442	4,911	–9,134	–12,606
Technical result	79,159	–73,754	78,861	61,182	–2,238	–133	–14,557	–16,798	1,162	–5,078	142,387	–34,581

Net investment income	198,838	322,472	29,317	37,039	4,537	4,804	24,872	50,784	3,674	–65,467	261,238	349,632
Income from investments	331,925	295,772	105,562	58,554	4,537	4,804	56,135	73,694	–51,230	–59,491	446,929	373,333
Expenses from investments	–149,294	–29,213	–76,245	–21,516	0	0	–34,003	–32,362	13,677	16,805	–245,864	–66,286
Financial assets accounted for using the equity method	16,207	55,913	0	0	0	0	2,740	9,453	41,227	–22,781	60,174	42,585
Other income	144	133	210,958	125,636	180	126	2,483	1,154	–37,541	–12,834	176,223	114,215
Reclassification of technical interest income	–192,730	–198,639	–31,498	–29,207	0	0	0	0	0	0	–224,228	–227,846
Other expenses	–691	–164	–159,253	–58,175	–177	–44	–3,818	–2,063	18,843	8,735	–145,096	–51,711
Non-technical result	5,561	123,802	49,524	75,293	4,540	4,886	23,537	49,875	–15,025	–69,567	68,137	184,289

Operating profit/(loss)	84,720	50,048	128,385	136,475	2,302	4,753	8,980	33,077	–13,863	–74,645	210,524	149,708
Amortisation of VBI and impairment of goodwill	–330	–1,786	–31,525	–45,589	0	0	0	0	0	0	–31,855	–47,375
Finance cost	–44,019	–24,988	–525	–385	0	0	–9,395	–14,190	53,555	39,188	–384	–376
Earnings before taxes	40,372	23,274	96,335	90,501	2,302	4,753	–415	18,887	39,692	–35,457	178,286	101,957

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Life insurance
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Premiums written (gross), including savings portions from unit-linked and index-linked life insurance	950,623	938,508	690,314	698,637	30,679	35,811	0	0	–29,733	–30,947	1,641,882	1,642,009
Premiums earned (net), including savings portions from unit-linked and index-linked life insurance	931,066	915,520	663,005	675,472	11,673	13,824	0	0	60	225	1,605,804	1,605,041
Savings portions from unit-linked and index-linked life insurance (gross)	233,043	213,210	101,962	111,385	0	0	0	0	0	0	335,005	324,595
Savings portions from unit-linked and index-linked life insurance (net)	233,043	213,210	101,962	111,385	0	0	0	0	0	0	335,005	324,595

Premiums written (gross)	717,580	725,299	588,351	587,252	30,679	35,811	0	0	–29,733	–30,947	1,306,877	1,317,414

Premiums earned (net)	698,023	702,311	561,043	564,087	11,673	13,824	0	0	60	225	1,270,799	1,280,446
Technical interest income	192,730	198,639	31,498	29,207	0	0	0	0	0	0	224,228	227,846
Other insurance income	53	285	9,424	20,280	43	29	4	65	–3,184	–5,432	6,340	15,227
Insurance benefits	–634,934	–809,800	–284,401	–319,281	–9,213	–8,062	0	0	–1,806	–4,212	–930,354	–1,141,354
Operating expenses	–172,248	–159,310	–232,302	–224,430	–2,116	–3,008	–14,477	–16,822	1,650	–571	–419,492	–404,140
Other technical expenses	–4,465	–5,879	–6,401	–8,682	–2,625	–2,915	–85	–41	4,442	4,911	–9,134	–12,606
Technical result	79,159	–73,754	78,861	61,182	–2,238	–133	–14,557	–16,798	1,162	–5,078	142,387	–34,581

Net investment income	198,838	322,472	29,317	37,039	4,537	4,804	24,872	50,784	3,674	–65,467	261,238	349,632
Income from investments	331,925	295,772	105,562	58,554	4,537	4,804	56,135	73,694	–51,230	–59,491	446,929	373,333
Expenses from investments	–149,294	–29,213	–76,245	–21,516	0	0	–34,003	–32,362	13,677	16,805	–245,864	–66,286
Financial assets accounted for using the equity method	16,207	55,913	0	0	0	0	2,740	9,453	41,227	–22,781	60,174	42,585
Other income	144	133	210,958	125,636	180	126	2,483	1,154	–37,541	–12,834	176,223	114,215
Reclassification of technical interest income	–192,730	–198,639	–31,498	–29,207	0	0	0	0	0	0	–224,228	–227,846
Other expenses	–691	–164	–159,253	–58,175	–177	–44	–3,818	–2,063	18,843	8,735	–145,096	–51,711
Non-technical result	5,561	123,802	49,524	75,293	4,540	4,886	23,537	49,875	–15,025	–69,567	68,137	184,289

Operating profit/(loss)	84,720	50,048	128,385	136,475	2,302	4,753	8,980	33,077	–13,863	–74,645	210,524	149,708
Amortisation of VBI and impairment of goodwill	–330	–1,786	–31,525	–45,589	0	0	0	0	0	0	–31,855	–47,375
Finance cost	–44,019	–24,988	–525	–385	0	0	–9,395	–14,190	53,555	39,188	–384	–376
Earnings before taxes	40,372	23,274	96,335	90,501	2,302	4,753	–415	18,887	39,692	–35,457	178,286	101,957

Group Report 2022

Operating segments – classified by business line

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