Operating segments
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1–12/2023 |
1–12/2022 |
1–12/2023 |
1–12/2022 |
1–12/2023 |
1–12/2022 |
1–12/2023 |
1–12/2022 |
1–12/2023 |
1–12/2022 |
1–12/2023 |
1–12/2022 |
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Technical result |
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Insurance revenue |
3,518,985 |
3,240,743 |
2,429,881 |
2,107,706 |
1,124,805 |
1,015,423 |
0 |
0 |
–1,079,534 |
–1,016,975 |
5,994,136 |
5,346,897 |
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Insurance service expenses |
–3,196,072 |
–2,921,463 |
–2,037,736 |
–1,782,984 |
–1,053,495 |
–938,133 |
0 |
0 |
996,309 |
898,096 |
–5,290,994 |
–4,744,483 |
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of which insurance benefits |
–2,440,873 |
–2,191,589 |
–1,217,631 |
–1,081,086 |
–1,012,434 |
–902,861 |
0 |
0 |
976,308 |
883,981 |
–3,694,631 |
–3,291,554 |
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Technical result from reinsurance |
–33,502 |
–27,384 |
–122,512 |
–128,919 |
–55,497 |
–5,311 |
0 |
0 |
70,618 |
123,247 |
–140,894 |
–38,366 |
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|
289,411 |
291,897 |
269,632 |
195,803 |
15,812 |
71,980 |
0 |
0 |
–12,608 |
4,368 |
562,248 |
564,049 |
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Financial result |
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Net investment income |
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Income from investments |
887,641 |
745,807 |
187,668 |
151,475 |
129,036 |
56,135 |
745,448 |
779,814 |
–819,522 |
–647,418 |
1,130,271 |
1,085,814 |
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Expenses from investments |
–274,052 |
–669,851 |
–79,941 |
–136,829 |
–28,194 |
–100,905 |
–277,252 |
–502,169 |
31,368 |
394,095 |
–628,071 |
–1,015,659 |
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Financial assets accounted for using the equity method |
28,581 |
28,581 |
0 |
291 |
0 |
0 |
4,389 |
2,784 |
53,662 |
78,032 |
86,632 |
109,688 |
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|
642,170 |
104,537 |
107,727 |
14,937 |
100,842 |
–44,770 |
472,584 |
280,429 |
–734,492 |
–175,291 |
588,831 |
179,843 |
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Net investment income from unit-linked and index-linked life insurance |
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Income from unit-linked and index-linked life insurance investments |
211,114 |
35,749 |
179,972 |
92,656 |
0 |
0 |
0 |
0 |
0 |
0 |
391,086 |
128,405 |
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Expenses from unit-linked and index-linked life insurance investments |
–31,559 |
–431,054 |
–53,492 |
–189,895 |
0 |
0 |
0 |
0 |
0 |
0 |
–85,050 |
–620,949 |
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|
179,555 |
–395,305 |
126,481 |
–97,239 |
0 |
0 |
0 |
0 |
0 |
0 |
306,036 |
–492,544 |
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Financial result from insurance contracts |
–689,250 |
306,157 |
–188,265 |
51,073 |
–42,865 |
1,423 |
0 |
0 |
166,922 |
–100,379 |
–753,458 |
258,274 |
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Financial result from reinsurance contracts |
8,996 |
–1,857 |
18,597 |
13,629 |
2,561 |
55 |
0 |
0 |
–21,322 |
–7,341 |
8,831 |
4,487 |
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|
141,471 |
13,532 |
64,539 |
–17,600 |
60,538 |
–43,292 |
472,584 |
280,429 |
–588,893 |
–283,011 |
150,240 |
–49,941 |
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Non-technical result |
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Other income |
18,742 |
6,031 |
140,879 |
88,450 |
4,330 |
1,872 |
234,937 |
216,438 |
37,205 |
43,949 |
436,092 |
356,741 |
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Other expenses |
–119,678 |
–75,616 |
–210,590 |
–142,742 |
–4,995 |
–3,112 |
–285,749 |
–249,177 |
–21,512 |
–47,813 |
–642,525 |
–518,461 |
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|
–100,937 |
–69,585 |
–69,711 |
–54,293 |
–666 |
–1,240 |
–50,812 |
–32,739 |
15,692 |
–3,864 |
–206,433 |
–161,720 |
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Operating profit/(loss) |
329,945 |
235,845 |
264,460 |
123,911 |
75,685 |
27,448 |
421,772 |
247,691 |
–585,808 |
–282,506 |
506,055 |
352,388 |
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Amortisation of VBI and impairment of goodwill |
0 |
0 |
–28,259 |
–27,931 |
0 |
0 |
0 |
0 |
0 |
0 |
–28,259 |
–27,931 |
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Finance cost |
–31,441 |
–55,222 |
–6,527 |
–4,877 |
–5,367 |
–2,901 |
–65,335 |
–60,926 |
57,246 |
71,797 |
–51,424 |
–52,129 |
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Earnings before taxes |
298,504 |
180,622 |
229,675 |
91,104 |
70,318 |
24,547 |
356,437 |
186,764 |
–528,561 |
–210,709 |
426,373 |
272,328 |
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Combined ratio (property and casualty insurance, before reinsurance)1) |
92% |
95% |
86% |
86% |
93% |
90% |
n/a |
n/a |
n/a |
n/a |
89% |
92% |
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Cost ratio (before reinsurance)2) |
24% |
25% |
38% |
38% |
4% |
3% |
n/a |
n/a |
n/a |
n/a |
31% |
31% |
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