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 21,000 employees and exclusive sales partners serve almost 17 million customers across 17 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 14 markets: Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Czechia, Hungary, Kosovo, Montenegro, North Macedonia, Poland, Romania, Serbia, Slovakia and Ukraine. In addition, insurance companies in Switzerland and Liechtenstein are also part of the UNIQA Group.

Premium distribution

Balanced portfolio in the core markets of Austria and CEE (Pie chart)

Download

Consolidated key figures

in € million

2023

2022¹⁾

Change

Premiums written²⁾

7,185.6

6,548.7

+9.7%

of which property and casualty insurance

4,214.3

3,683.0

+14.4%

of which health insurance

1,388.1

1,275.9

+8.8%

of which life insurance

1,583.2

1,589.8

–0.4%

Premiums written UNIQA Austria²⁾

4,290.0

4,086.4

+5.0%

Premiums written UNIQA International²⁾

2,787.9

2,450.0

+13.8%

Insurance revenue

5,994.1

5,346.9

+12.1%

of which property and casualty insurance

4,006.3

3,547.8

+12.9%

of which health insurance

1,234.7

1,139.7

+8.3%

of which life insurance

753.1

659.3

+14.2%

Insurance service expenses

–5,291.0

–4,744.5

+11.5%

of which property and casualty insurance

–3,580.8

–3,254.3

+10.0%

of which health insurance

–1,110.3

–1,038.5

+6.9%

of which life insurance

–600.0

–451.7

+32.8%

Technical result from reinsurance

–140.9

–38.4

+267.2%

Technical result

562.2

564.0

–0.3%

of which property and casualty insurance

287.5

255.9

+12.3%

of which health insurance

122.0

101.8

+19.8%

of which life insurance

152.8

206.3

–25.9%

Group cost ratio

31.0%

30.9%

Combined ratio (gross before reinsurance)

89.4%

91.7%

Financial result

150.2

–49.9

of which net investment income

588.8

179.8

+227.4%

Non-technical result

–206.4

–161.7

+27.6%

Operating profit/(loss)

506.1

352.4

+43.6%

Earnings before taxes

426.4

272.3

+56.6%

Profit/(loss) for the period from continuing operations

323.1

255.4

+26.5%

Profit/(loss) from discontinued operations (after tax)

–19.3

0.3

Profit/(loss) for the period

303.8

255.7

+18.8%

Consolidated profit/loss

302.7

256.0

+18.3%

Return on equity³⁾

14.1%

11.6%

Investments

20,431.9

19,376.0

+5.4%

Shareholders´ equity

2,710.2

1,883.3

+43.9%

Equity, including non-controlling interests

2,730.1

1,901.0

+43.6%

Total assets

28,151.0

26,641.1

+5.7%

Average number of employees (FTE)

14,629

14,515

+0.8%

1)	In the interest of comparability, the figures for 2022 were recalculated in accordance with IFRS 9/17.
2)	Including savings portions from unit-linked and index-linked life insurance (amounts determined in accordance with local accounting practices)
3)	This calculation does not take into account the effect of the planned sale of the Russian company.

On 1 January 2023, two new international accounting standards came into effect, IFRS 9 (Financial Instruments) and IFRS 17 (Insurance Contracts), which have a significant impact on the presentation of the UNIQA Group’s financial position, financial performance and profit or loss due to extensive changes in the measurement and accounting of financial instruments and insurance contracts. Due to the first application of these two accounting standards, a retrospective restatement was made of the values from the comparative period 2022 and as at the comparative date 31 December 2022. There is therefore no direct comparability with the figures published for the 2022 financial year or previous years.