Operating segments
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 |
4,086,355 |
3,916,574 |
2,506,630 |
2,423,271 |
1,461,275 |
1,469,540 |
0 |
0 |
–1,449,022 |
–1,451,386 |
6,605,237 |
6,358,000 |
||||
Premiums earned (net), including savings portions from unit-linked and index-linked life insurance |
3,236,380 |
3,113,292 |
1,736,909 |
1,671,286 |
1,308,285 |
1,229,245 |
0 |
0 |
2,667 |
8,344 |
6,284,241 |
6,022,167 |
||||
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) |
3,853,312 |
3,703,364 |
2,404,668 |
2,311,886 |
1,461,275 |
1,469,540 |
0 |
0 |
–1,449,022 |
–1,451,386 |
6,270,232 |
6,033,405 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Premiums earned (net) |
3,003,337 |
2,900,082 |
1,634,947 |
1,559,901 |
1,308,285 |
1,229,245 |
0 |
0 |
2,667 |
8,344 |
5,949,236 |
5,697,572 |
||||
Premiums earned (net) – intragroup |
–812,931 |
–766,653 |
–583,231 |
–565,542 |
1,393,483 |
1,323,851 |
0 |
0 |
2,667 |
8,344 |
–11 |
0 |
||||
Premiums earned (net) – external |
3,816,268 |
3,666,735 |
2,218,178 |
2,125,442 |
–85,198 |
–94,605 |
0 |
0 |
0 |
0 |
5,949,247 |
5,697,572 |
||||
Technical interest income |
286,913 |
289,740 |
33,137 |
29,209 |
0 |
0 |
0 |
0 |
0 |
0 |
320,050 |
318,949 |
||||
Other insurance income |
4,479 |
5,080 |
29,309 |
33,398 |
279 |
266 |
280 |
373 |
–9,522 |
–10,836 |
24,825 |
28,281 |
||||
Insurance benefits |
–2,414,305 |
–2,442,288 |
–859,565 |
–874,992 |
–822,000 |
–787,981 |
5,075 |
4,892 |
–5,047 |
–3,835 |
–4,095,842 |
–4,104,204 |
||||
Operating expenses |
–626,850 |
–622,244 |
–632,366 |
–592,734 |
–395,772 |
–359,815 |
–55,794 |
–67,932 |
–939 |
–5,802 |
–1,711,721 |
–1,648,527 |
||||
Other technical expenses |
–12,341 |
–20,688 |
–59,564 |
–54,732 |
–17,802 |
–16,633 |
–4,848 |
–7,311 |
18,541 |
16,491 |
–76,014 |
–82,874 |
||||
Technical result |
241,233 |
109,682 |
145,898 |
100,050 |
72,990 |
65,083 |
–55,287 |
–69,978 |
5,700 |
4,361 |
410,534 |
209,197 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Net investment income |
223,114 |
567,298 |
67,455 |
72,030 |
–518 |
33,708 |
398,023 |
606,776 |
–282,390 |
–631,860 |
405,683 |
647,951 |
||||
Income from investments |
694,627 |
560,659 |
194,206 |
108,249 |
65,312 |
44,757 |
746,536 |
752,040 |
–618,429 |
–630,647 |
1,082,253 |
835,058 |
||||
Expenses from investments |
–500,095 |
–91,965 |
–129,500 |
–36,491 |
–65,830 |
–11,049 |
–351,297 |
–156,274 |
258,033 |
27,585 |
–788,687 |
–268,193 |
||||
Financial assets accounted for using the equity method |
28,581 |
98,604 |
2,748 |
272 |
0 |
0 |
2,784 |
11,009 |
78,005 |
–28,798 |
112,118 |
81,087 |
||||
Other income |
4,013 |
2,921 |
234,287 |
146,385 |
11,468 |
4,198 |
210,721 |
188,868 |
–63,682 |
–41,991 |
396,807 |
300,381 |
||||
Reclassification of technical interest income |
–286,913 |
–289,740 |
–33,137 |
–29,209 |
0 |
0 |
0 |
0 |
0 |
0 |
–320,050 |
–318,949 |
||||
Other expenses |
–23,949 |
–11,144 |
–192,864 |
–81,462 |
–6,108 |
–4,462 |
–212,348 |
–192,040 |
58,285 |
38,489 |
–376,984 |
–250,619 |
||||
Non-technical result |
–83,735 |
269,336 |
75,741 |
107,745 |
4,842 |
33,443 |
396,395 |
603,603 |
–287,788 |
–635,362 |
105,456 |
378,765 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Operating profit/(loss) |
157,499 |
379,017 |
221,639 |
207,795 |
77,832 |
98,526 |
341,108 |
533,625 |
–282,088 |
–631,001 |
515,990 |
587,962 |
||||
Amortisation of VBI and impairment of goodwill |
–330 |
–1,786 |
–41,752 |
–69,125 |
0 |
0 |
–23 |
0 |
0 |
0 |
–42,104 |
–70,911 |
||||
Finance cost |
–55,222 |
–38,016 |
–5,781 |
–4,995 |
–2,901 |
–2,901 |
–70,905 |
–155,772 |
82,651 |
66,923 |
–52,160 |
–134,762 |
||||
Earnings before taxes |
101,946 |
339,215 |
174,106 |
133,674 |
74,931 |
95,625 |
270,180 |
377,853 |
–199,437 |
–564,078 |
421,726 |
382,289 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Combined ratio (property and casualty insurance, after reinsurance)1) |
92.3% |
91.7% |
90.8% |
92.9% |
92.9% |
93.8% |
n/a |
n/a |
n/a |
n/a |
92.9% |
93.7% |
||||
Cost ratio (after reinsurance)2) |
19.4% |
20.0% |
36.4% |
35.5% |
30.3% |
29.3% |
n/a |
n/a |
n/a |
n/a |
27.2% |
27.4% |
||||
|
||||||||||||||||
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 |
4,086,355 |
3,916,574 |
2,506,630 |
2,423,271 |
1,461,275 |
1,469,540 |
0 |
0 |
–1,449,022 |
–1,451,386 |
6,605,237 |
6,358,000 |
||||
Premiums earned (net), including savings portions from unit-linked and index-linked life insurance |
3,236,380 |
3,113,292 |
1,736,909 |
1,671,286 |
1,308,285 |
1,229,245 |
0 |
0 |
2,667 |
8,344 |
6,284,241 |
6,022,167 |
||||
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) |
3,853,312 |
3,703,364 |
2,404,668 |
2,311,886 |
1,461,275 |
1,469,540 |
0 |
0 |
–1,449,022 |
–1,451,386 |
6,270,232 |
6,033,405 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Premiums earned (net) |
3,003,337 |
2,900,082 |
1,634,947 |
1,559,901 |
1,308,285 |
1,229,245 |
0 |
0 |
2,667 |
8,344 |
5,949,236 |
5,697,572 |
||||
Premiums earned (net) – intragroup |
–812,931 |
–766,653 |
–583,231 |
–565,542 |
1,393,483 |
1,323,851 |
0 |
0 |
2,667 |
8,344 |
–11 |
0 |
||||
Premiums earned (net) – external |
3,816,268 |
3,666,735 |
2,218,178 |
2,125,442 |
–85,198 |
–94,605 |
0 |
0 |
0 |
0 |
5,949,247 |
5,697,572 |
||||
Technical interest income |
286,913 |
289,740 |
33,137 |
29,209 |
0 |
0 |
0 |
0 |
0 |
0 |
320,050 |
318,949 |
||||
Other insurance income |
4,479 |
5,080 |
29,309 |
33,398 |
279 |
266 |
280 |
373 |
–9,522 |
–10,836 |
24,825 |
28,281 |
||||
Insurance benefits |
–2,414,305 |
–2,442,288 |
–859,565 |
–874,992 |
–822,000 |
–787,981 |
5,075 |
4,892 |
–5,047 |
–3,835 |
–4,095,842 |
–4,104,204 |
||||
Operating expenses |
–626,850 |
–622,244 |
–632,366 |
–592,734 |
–395,772 |
–359,815 |
–55,794 |
–67,932 |
–939 |
–5,802 |
–1,711,721 |
–1,648,527 |
||||
Other technical expenses |
–12,341 |
–20,688 |
–59,564 |
–54,732 |
–17,802 |
–16,633 |
–4,848 |
–7,311 |
18,541 |
16,491 |
–76,014 |
–82,874 |
||||
Technical result |
241,233 |
109,682 |
145,898 |
100,050 |
72,990 |
65,083 |
–55,287 |
–69,978 |
5,700 |
4,361 |
410,534 |
209,197 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Net investment income |
223,114 |
567,298 |
67,455 |
72,030 |
–518 |
33,708 |
398,023 |
606,776 |
–282,390 |
–631,860 |
405,683 |
647,951 |
||||
Income from investments |
694,627 |
560,659 |
194,206 |
108,249 |
65,312 |
44,757 |
746,536 |
752,040 |
–618,429 |
–630,647 |
1,082,253 |
835,058 |
||||
Expenses from investments |
–500,095 |
–91,965 |
–129,500 |
–36,491 |
–65,830 |
–11,049 |
–351,297 |
–156,274 |
258,033 |
27,585 |
–788,687 |
–268,193 |
||||
Financial assets accounted for using the equity method |
28,581 |
98,604 |
2,748 |
272 |
0 |
0 |
2,784 |
11,009 |
78,005 |
–28,798 |
112,118 |
81,087 |
||||
Other income |
4,013 |
2,921 |
234,287 |
146,385 |
11,468 |
4,198 |
210,721 |
188,868 |
–63,682 |
–41,991 |
396,807 |
300,381 |
||||
Reclassification of technical interest income |
–286,913 |
–289,740 |
–33,137 |
–29,209 |
0 |
0 |
0 |
0 |
0 |
0 |
–320,050 |
–318,949 |
||||
Other expenses |
–23,949 |
–11,144 |
–192,864 |
–81,462 |
–6,108 |
–4,462 |
–212,348 |
–192,040 |
58,285 |
38,489 |
–376,984 |
–250,619 |
||||
Non-technical result |
–83,735 |
269,336 |
75,741 |
107,745 |
4,842 |
33,443 |
396,395 |
603,603 |
–287,788 |
–635,362 |
105,456 |
378,765 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Operating profit/(loss) |
157,499 |
379,017 |
221,639 |
207,795 |
77,832 |
98,526 |
341,108 |
533,625 |
–282,088 |
–631,001 |
515,990 |
587,962 |
||||
Amortisation of VBI and impairment of goodwill |
–330 |
–1,786 |
–41,752 |
–69,125 |
0 |
0 |
–23 |
0 |
0 |
0 |
–42,104 |
–70,911 |
||||
Finance cost |
–55,222 |
–38,016 |
–5,781 |
–4,995 |
–2,901 |
–2,901 |
–70,905 |
–155,772 |
82,651 |
66,923 |
–52,160 |
–134,762 |
||||
Earnings before taxes |
101,946 |
339,215 |
174,106 |
133,674 |
74,931 |
95,625 |
270,180 |
377,853 |
–199,437 |
–564,078 |
421,726 |
382,289 |
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Combined ratio (property and casualty insurance, after reinsurance)1) |
92.3% |
91.7% |
90.8% |
92.9% |
92.9% |
93.8% |
n/a |
n/a |
n/a |
n/a |
92.9% |
93.7% |
||||
Cost ratio (after reinsurance)2) |
19.4% |
20.0% |
36.4% |
35.5% |
30.3% |
29.3% |
n/a |
n/a |
n/a |
n/a |
27.2% |
27.4% |
||||
|
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