Operating segments – classified by business line

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Property and casualty insurance
In € thousand	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Insurance service result
Insurance revenue	2,348,431	2,241,296	2,313,510	2,099,196	1,379,443	1,240,453	0	0	–1,266,749	–1,159,163	4,774,635	4,421,781
Insurance service expenses	–2,169,537	–2,058,976	–1,987,528	–1,869,056	–1,183,143	–1,193,305	0	0	1,082,565	1,091,524	–4,257,642	–4,029,811
Reinsurance service result	–76,057	–74,611	–148,409	–73,752	–83,424	–5,041	0	0	187,223	67,644	–120,666	–85,761
	102,836	107,709	177,573	156,388	112,877	42,107	0	0	3,040	5	396,326	306,209
Financial result
Net investment income
Income from investments	236,975	216,757	130,600	130,843	115,384	109,625	420,480	547,165	–449,972	–527,114	453,467	477,276
Expenses from investments	–56,960	–58,228	–51,272	–47,717	–25,695	–19,216	–152,830	–134,227	19,724	18,599	–267,034	–240,789
Result of financial assets accounted for using the equity method	705	620	0	0	0	0	1,674	61	14,975	16,457	17,354	17,138
	180,720	159,149	79,328	83,126	89,688	90,409	269,324	412,998	–415,273	–492,058	203,788	253,624
Financial result from insurance contracts	–28,949	–29,902	–55,186	–57,385	–40,079	–30,297	0	0	29,894	29,783	–94,320	–87,801
Financial result from reinsurance contracts	14,398	15,845	24,068	21,498	313	1,738	0	0	–31,381	–30,874	7,398	8,207
	166,169	145,092	48,210	47,239	49,922	61,851	269,324	412,998	–416,760	–493,149	116,865	174,031

Non-technical result
Other income	7,281	5,275	42,158	18,888	9,019	5,925	43,235	38,148	–15,070	8,041	86,622	76,278
Other expenses	–63,009	–60,097	–125,270	–114,783	–11,543	–3,715	–93,523	–61,314	18,706	16,715	–274,640	–223,194
	–55,729	–54,822	–83,112	–95,895	–2,524	2,211	–50,288	–23,166	3,635	24,756	–188,017	–146,916

Operating profit/(loss)	213,277	197,979	142,671	107,733	160,275	106,168	219,036	389,832	–410,085	–468,388	325,174	333,325
Amortisation of VBI and impairment of goodwill	0	0	–16,959	–4,359	0	0	0	0	0	0	–16,959	–4,359
Finance cost	–12,542	–15,724	–7,418	–7,779	–5,825	–5,833	–62,382	–64,985	44,185	46,380	–43,981	–47,942
Earnings before taxes	200,735	182,255	118,295	95,594	154,450	100,336	156,654	324,847	–365,900	–422,008	264,234	281,024

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Health insurance
In € thousand	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Insurance service result
Insurance revenue	1,313,549	1,224,051	136,253	131,735	2,348	2,596	0	0	–2,348	–2,596	1,449,802	1,355,786
Insurance service expenses	–1,212,480	–1,129,711	–121,466	–125,472	–1,432	–1,442	0	0	1,432	1,442	–1,333,946	–1,255,182
Reinsurance service result	–351	–497	–1,015	–293	–507	–445	0	0	784	384	–1,090	–852
	100,718	93,843	13,771	5,970	409	709	0	0	–132	–771	114,766	99,752
Financial result
Net investment income
Income from investments	270,032	310,940	657	664	0	0	213,738	229,387	–88,895	–142,984	395,532	398,007
Expenses from investments	–114,223	–145,201	–135	–120	0	0	–167,396	–133,561	30,319	35,871	–251,435	–243,011
Result of financial assets accounted for using the equity method	14,130	16,394	0	0	0	0	0	0	95,638	29,127	109,767	45,522
	169,939	182,133	522	544	0	0	46,342	95,825	37,062	–77,986	253,864	200,517
Financial result from insurance contracts	–159,425	–187,129	–624	–671	–6	–3	0	0	–78,168	–24,324	–238,223	–212,126
Financial result from reinsurance contracts	34	11	–16	64	0	4	0	0	–4	–6	15	72
	10,548	–4,984	–118	–62	–6	1	46,342	95,825	–41,110	–102,317	15,656	–11,537

Non-technical result
Other income	3,712	12,185	5,125	5,025	0	0	232,924	212,922	–2,729	–3,186	239,033	226,946
Other expenses	–50,123	–50,245	–10,900	–10,202	0	0	–277,979	–244,760	1,539	409	–337,464	–304,797
	–46,411	–38,060	–5,775	–5,177	0	0	–45,055	–31,838	–1,190	–2,776	–98,431	–77,851

Operating profit/(loss)	64,855	50,799	7,879	731	403	710	1,286	63,988	–42,432	–105,864	31,991	10,363
Finance cost	–4	–5	0	0	0	0	–1,938	–14	1,896	0	–46	–19
Earnings before taxes	64,851	50,794	7,879	731	403	710	–651	63,973	–40,536	–105,864	31,945	10,345

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Life insurance
In € thousand	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024	1 – 12/2025	1 – 12/2024
In € thousand	UNIQA Austria		UNIQA International		Reinsurance		Group functions		Consolidation		Group
Insurance service result
Insurance revenue	285,645	254,623	604,248	524,064	24,340	21,396	0	0	–23,127	–20,487	891,106	779,597
Insurance service expenses	–183,496	–169,290	–495,947	–434,338	–39,504	–40,124	0	0	29,964	28,319	–688,984	–615,433
Reinsurance service result	5,705	6,381	–6,534	–10,374	2,755	–2,269	0	0	–4,385	–3,380	–2,459	–9,642
	107,854	91,714	101,767	79,352	–12,409	–20,996	0	0	2,452	4,452	199,664	154,521
Financial result
Net investment income
Income from investments	297,700	326,711	71,086	78,614	236	244	109,838	113,807	–47,736	–61,929	431,124	457,448
Expenses from investments	–85,844	–136,020	–21,940	–29,553	0	0	–87,010	–77,837	10,541	9,216	–184,253	–234,195
Result of financial assets accounted for using the equity method	25,323	22,284	0	0	0	0	4,281	3,767	64,663	46,286	94,267	72,337
	237,180	212,975	49,146	49,061	235	244	27,109	39,736	27,469	–6,427	341,138	295,590
Net investment income from unit-linked and index-linked life insurance
Income from unit-linked and index-linked life insurance investments	158,995	214,185	209,246	188,321	0	0	0	0	0	0	368,241	402,506
Expenses from unit-linked and index-linked life insurance investments	–49,352	–28,145	–109,132	–41,411	0	0	0	0	0	0	–158,484	–69,556
	109,643	186,040	100,114	146,910	0	0	0	0	0	0	209,757	332,951
Financial result from insurance contracts	–326,464	–376,103	–113,961	–164,710	–308	–194	0	0	–33,380	–39,993	–474,112	–581,000
Financial result from reinsurance contracts	84	140	31	–1	35	114	0	0	–96	–116	55	137
	20,443	23,053	35,330	31,261	–38	164	27,109	39,736	–6,006	–46,536	76,838	47,678

Non-technical result
Other income	2,164	1,993	123,737	136,305	0	0	13,752	12,306	–12,370	–28,677	127,282	121,926
Other expenses	–29,279	–28,425	–123,723	–106,810	0	–138	–24,694	–26,081	10,986	9,824	–166,710	–151,631
	–27,114	–26,433	13	29,494	0	–138	–10,942	–13,775	–1,384	–18,853	–39,428	–29,704

Operating profit/(loss)	101,182	88,334	137,111	140,107	–12,447	–20,970	16,167	25,962	–4,939	–60,937	237,074	172,495
Amortisation of VBI and impairment of goodwill	0	0	–16,501	–21,574	0	0	0	0	0	0	–16,501	–21,574
Finance cost	–8,403	–8,396	–408	–448	0	0	–33	–23	8,450	8,443	–394	–425
Earnings before taxes	92,779	79,938	120,202	118,084	–12,447	–20,970	16,134	25,939	3,511	–52,495	220,179	150,496

Operating segments – classified by business line

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