Operating segments
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
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Technical result |
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Insurance revenue |
3,719,970 |
3,518,985 |
2,754,995 |
2,429,881 |
1,264,445 |
1,124,805 |
0 |
0 |
–1,182,246 |
–1,079,534 |
6,557,164 |
5,994,136 |
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Insurance service expenses |
–3,357,977 |
–3,196,072 |
–2,428,865 |
–2,037,736 |
–1,234,870 |
–1,034,387 |
0 |
0 |
1,121,285 |
977,201 |
–5,900,427 |
–5,290,994 |
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(of which directly attributable costs plus commissions) |
–786,426 |
–755,199 |
–934,037 |
–820,105 |
–43,905 |
–39,314 |
0 |
0 |
20,483 |
18,255 |
–1,743,885 |
–1,596,363 |
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(of which directly attributable admin costs) |
–391,927 |
–378,000 |
–319,860 |
–281,751 |
–30,097 |
–20,426 |
0 |
0 |
0 |
0 |
–741,883 |
–680,177 |
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Technical result from reinsurance |
–68,727 |
–52,767 |
–84,420 |
–122,355 |
–7,755 |
–55,497 |
0 |
0 |
64,647 |
89,726 |
–96,255 |
–140,894 |
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|
293,267 |
270,146 |
241,710 |
269,789 |
21,820 |
34,921 |
0 |
0 |
3,686 |
–12,608 |
560,482 |
562,248 |
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Financial result |
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Net investment income |
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Income from investments |
854,408 |
887,641 |
210,121 |
187,668 |
109,869 |
129,036 |
890,358 |
745,448 |
–732,027 |
–819,522 |
1,332,730 |
1,130,271 |
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(of which interest income from the application of the effective interest method) |
239,872 |
219,620 |
113,899 |
97,662 |
53,945 |
46,491 |
79,062 |
75,456 |
–46,277 |
–42,089 |
440,502 |
397,140 |
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Expenses from investments |
–339,449 |
–274,052 |
–77,390 |
–79,941 |
–19,216 |
–28,194 |
–345,626 |
–277,252 |
63,685 |
31,368 |
–717,996 |
–628,071 |
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Financial assets accounted for using the equity method |
39,299 |
28,581 |
0 |
0 |
0 |
0 |
3,828 |
4,389 |
91,870 |
53,662 |
134,996 |
86,632 |
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|
554,258 |
642,170 |
132,732 |
107,727 |
90,653 |
100,842 |
548,560 |
472,584 |
–576,471 |
–734,492 |
749,731 |
588,831 |
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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 |
214,185 |
211,114 |
188,321 |
179,972 |
0 |
0 |
0 |
0 |
0 |
0 |
402,506 |
391,086 |
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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 |
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|
186,040 |
179,555 |
146,910 |
126,481 |
0 |
0 |
0 |
0 |
0 |
0 |
332,951 |
306,036 |
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Financial result from insurance contracts |
–593,134 |
–689,250 |
–222,765 |
–188,265 |
–30,493 |
–42,865 |
0 |
0 |
–34,534 |
166,922 |
–880,926 |
–753,458 |
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Financial result from reinsurance contracts |
15,996 |
8,996 |
21,562 |
18,597 |
1,856 |
2,561 |
0 |
0 |
–30,997 |
–21,322 |
8,416 |
8,831 |
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|
163,160 |
141,471 |
78,438 |
64,539 |
62,016 |
60,538 |
548,560 |
472,584 |
–642,002 |
–588,893 |
210,171 |
150,240 |
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Non-technical result |
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Other income |
19,452 |
18,742 |
160,217 |
140,879 |
5,925 |
4,330 |
263,377 |
234,937 |
–23,822 |
37,205 |
425,150 |
436,092 |
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Other expenses |
–138,767 |
–119,678 |
–231,795 |
–210,590 |
–3,853 |
–4,995 |
–332,155 |
–285,749 |
26,949 |
–21,512 |
–679,622 |
–642,525 |
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(of which not directly attributable admin costs) |
–111,483 |
–98,755 |
–108,349 |
–94,736 |
–260 |
–212 |
–79,192 |
–67,713 |
0 |
0 |
–299,285 |
–261,416 |
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|
–119,315 |
–100,937 |
–71,578 |
–69,711 |
2,073 |
–666 |
–68,778 |
–50,812 |
3,127 |
15,692 |
–254,471 |
–206,433 |
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Operating profit/(loss) |
337,112 |
310,680 |
248,570 |
264,617 |
85,908 |
94,794 |
479,782 |
421,772 |
–635,189 |
–585,808 |
516,182 |
506,055 |
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Amortisation of VBI and impairment of goodwill |
0 |
0 |
–25,933 |
–28,259 |
0 |
0 |
0 |
0 |
0 |
0 |
–25,933 |
–28,259 |
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Finance cost |
–24,125 |
–31,441 |
–8,227 |
–6,527 |
–5,833 |
–5,367 |
–65,023 |
–65,335 |
54,823 |
57,246 |
–48,385 |
–51,424 |
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Earnings before taxes |
312,987 |
279,238 |
214,410 |
229,832 |
80,076 |
89,427 |
414,759 |
356,437 |
–580,367 |
–528,561 |
441,865 |
426,373 |
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Combined ratio before reinsurance1) |
91.9% |
92.3% |
89.0% |
85.6% |
96.2% |
91.2% |
n/a |
n/a |
n/a |
n/a |
91.1% |
89.4% |
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Combined ratio after reinsurance1) |
95.2% |
95.0% |
92.6% |
91.6% |
96.6% |
96.7% |
n/a |
n/a |
n/a |
n/a |
93.1% |
92.8% |
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Cost ratio (before reinsurance)2) |
24.1% |
24.3% |
37.8% |
37.6% |
3.5% |
3.5% |
n/a |
n/a |
n/a |
n/a |
31.2% |
31.0% |
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Admin cost ratio3) |
13.5% |
13.5% |
15.5% |
15.5% |
2.4% |
1.8% |
n/a |
n/a |
n/a |
n/a |
15.9% |
15.7% |
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