Operating segments – classified by business line

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Property and casualty insurance
In € thousand	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Technical result
Insurance revenue	2,241,296	2,118,482	2,099,196	1,843,347	1,240,453	1,099,964	0	0	–1,159,163	–1,055,525	4,421,781	4,006,268
Insurance service expenses	–2,058,976	–1,954,355	–1,869,056	–1,576,997	–1,193,305	–1,003,517	0	0	1,091,524	954,103	–4,029,811	–3,580,765
Technical result from reinsurance	–74,611	–57,631	–73,752	–112,404	–5,041	–60,578	0	0	67,644	92,578	–85,761	–138,036
	107,709	106,496	156,388	153,946	42,107	35,869	0	0	5	–8,844	306,209	287,467
Financial result
Net investment income
Income from investments	216,757	145,808	130,843	118,207	109,625	128,767	547,165	517,020	–527,114	–520,864	477,276	388,937
Expenses from investments	–58,228	–27,602	–47,717	–54,724	–19,216	–28,194	–134,227	–125,432	18,599	8,641	–240,789	–227,312
Financial assets accounted for using the equity method	620	451	0	0	0	0	61	1,693	16,457	9,665	17,138	11,810
	159,149	118,657	83,126	63,483	90,409	100,573	412,998	393,281	–492,058	–502,558	253,624	173,435
Financial result from insurance contracts	–29,902	–13,963	–57,385	–44,421	–30,297	–42,793	0	0	29,783	20,434	–87,801	–80,742
Financial result from reinsurance contracts	15,845	8,922	21,498	18,647	1,738	2,496	0	0	–30,874	–21,375	8,207	8,689
	145,092	113,616	47,239	37,708	61,851	60,275	412,998	393,281	–493,149	–503,498	174,031	101,383

Non-technical result
Other income	5,275	10,664	18,888	21,173	5,925	4,322	38,148	39,441	8,041	29,160	76,278	104,760
Other expenses	–60,097	–56,320	–114,783	–74,173	–3,715	–4,944	–61,314	–60,848	16,715	–27,518	–223,194	–223,804
	–54,822	–45,656	–95,895	–53,000	2,211	–621	–23,166	–21,408	24,756	1,641	–146,916	–119,044

Operating profit/(loss)	197,979	174,456	107,733	138,654	106,168	95,523	389,832	371,874	–468,388	–510,702	333,325	269,806
Amortisation of VBI and impairment of goodwill	0	0	–4,359	–6,982	0	0	0	0	0	0	–4,359	–6,982
Finance cost	–15,724	–14,273	–7,779	–6,129	–5,833	–5,367	–64,985	–65,421	46,380	39,844	–47,942	–51,346
Earnings before taxes	182,255	160,183	95,594	125,544	100,336	90,156	324,847	306,453	–422,008	–470,858	281,024	211,478

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Health insurance
In € thousand	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Technical result
Insurance revenue	1,224,051	1,119,423	131,735	115,313	2,596	1,929	0	0	–2,596	–1,915	1,355,786	1,234,749
Insurance service expenses	–1,129,711	–1,013,562	–125,472	–96,640	–1,442	–1,174	0	0	1,442	1,124	–1,255,182	–1,110,251
Technical result from reinsurance	–497	–1,734	–293	–796	–445	–494	0	0	384	509	–852	–2,514
	93,843	104,127	5,970	17,877	709	261	0	0	–771	–282	99,752	121,984
Financial result
Net investment income
Income from investments	310,940	291,641	664	504	0	0	229,387	143,912	–142,984	–124,796	398,007	311,262
Expenses from investments	–145,201	–132,080	–120	–75	0	0	–133,561	–112,929	35,871	16,649	–243,011	–228,436
Financial assets accounted for using the equity method	16,394	11,923	0	0	0	0	0	0	29,127	16,976	45,522	28,899
	182,133	171,484	544	429	0	0	95,825	30,983	–77,986	–91,171	200,517	111,725
Financial result from insurance contracts	–187,129	–172,973	–671	–685	–3	–36	0	0	–24,324	42,837	–212,126	–130,857
Financial result from reinsurance contracts	11	4	64	56	4	6	0	0	–6	0	72	67
	–4,984	–1,485	–62	–200	1	–30	95,825	30,983	–102,317	–48,334	–11,537	–19,065

Non-technical result
Other income	12,185	5,805	5,025	4,533	0	0	212,922	180,644	–3,186	–2,447	226,946	188,535
Other expenses	–50,245	–40,751	–10,202	–8,315	0	0	–244,760	–197,654	409	–30	–304,797	–246,750
	–38,060	–34,946	–5,177	–3,781	0	0	–31,838	–17,010	–2,776	–2,477	–77,851	–58,215

Operating profit/(loss)	50,799	67,696	731	13,896	710	231	63,988	13,973	–105,864	–51,093	10,363	44,704
Finance cost	–5	–3	0	0	0	0	–14	–564	0	0	–19	–567
Earnings before taxes	50,794	67,693	731	13,896	710	231	63,973	13,409	–105,864	–51,093	10,345	44,137

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Life insurance
In € thousand	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023	1 – 12/2024	1 – 12/2023
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Technical result
Insurance revenue	254,623	281,080	524,064	471,221	21,396	22,913	0	0	–20,487	–22,094	779,597	753,119
Insurance service expenses	–169,290	–228,155	–434,338	–364,100	–40,124	–29,697	0	0	28,319	21,974	–615,433	–599,978
Technical result from reinsurance	6,381	6,597	–10,374	–9,155	–2,269	5,574	0	0	–3,380	–3,361	–9,642	–344
	91,714	59,522	79,352	97,966	–20,996	–1,210	0	0	4,452	–3,482	154,521	152,797
Financial result
Net investment income
Income from investments	326,711	450,192	78,614	68,957	244	270	113,807	84,515	–61,929	–173,862	457,448	430,072
Expenses from investments	–136,020	–114,370	–29,553	–25,141	0	0	–77,837	–38,891	9,216	6,078	–234,195	–172,324
Financial assets accounted for using the equity method	22,284	16,207	0	0	0	0	3,767	2,696	46,286	27,020	72,337	45,923
	212,975	352,029	49,061	43,815	244	270	39,736	48,320	–6,427	–140,764	295,590	303,670
Net investment income from unit-linked and index-linked life insurance
Income from unit-linked and index-linked life insurance investments	214,185	211,114	188,321	179,972	0	0	0	0	0	0	402,506	391,086
Expenses from unit-linked and index-linked life insurance investments	–28,145	–31,559	–41,411	–53,492	0	0	0	0	0	0	–69,556	–85,050
	186,040	179,555	146,910	126,481	0	0	0	0	0	0	332,951	306,036
Financial result from insurance contracts	–376,103	–502,314	–164,710	–143,160	–194	–36	0	0	–39,993	103,651	–581,000	–541,859
Financial result from reinsurance contracts	140	69	–1	–106	114	59	0	0	–116	53	137	75
	23,053	29,339	31,261	27,030	164	293	39,736	48,320	–46,536	–37,060	47,678	67,923

Non-technical result
Other income	1,993	2,273	136,305	115,172	0	7	12,306	14,852	–28,677	10,492	121,926	142,797
Other expenses	–28,425	–22,607	–106,810	–128,102	–138	–52	–26,081	–27,247	9,824	6,036	–151,631	–171,972
	–26,433	–20,334	29,494	–12,930	–138	–44	–13,775	–12,395	–18,853	16,528	–29,704	–29,175

Operating profit/(loss)	88,334	68,527	140,107	112,067	–20,970	–961	25,962	35,925	–60,937	–24,013	172,495	191,545
Amortisation of VBI and impairment of goodwill	0	0	–21,574	–21,277	0	0	0	0	0	0	–21,574	–21,277
Finance cost	–8,396	–17,165	–448	–398	0	0	–23	649	8,443	17,402	–425	489
Earnings before taxes	79,938	51,362	118,084	90,392	–20,970	–961	25,939	36,575	–52,495	–6,611	150,496	170,757

Group Report 2024

Operating segments – classified by business line

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