Operating segments
In € thousand |
UNIQA Austria |
UNIQA International |
Reinsurance |
Group functions |
Consolidation |
Group |
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Insurance service result |
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Insurance revenue |
3,947,626 |
3,719,970 |
3,054,011 |
2,754,995 |
1,406,130 |
1,264,445 |
0 |
0 |
–1,292,224 |
–1,182,246 |
7,115,543 |
6,557,164 |
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Insurance service expenses |
–3,565,514 |
–3,357,977 |
–2,604,941 |
–2,428,865 |
–1,224,078 |
–1,234,870 |
0 |
0 |
1,113,961 |
1,121,285 |
–6,280,572 |
–5,900,427 |
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(of which directly attributable costs plus commissions) |
–861,767 |
–786,426 |
–1,039,433 |
–934,037 |
–33,279 |
–43,905 |
0 |
0 |
23,709 |
20,483 |
–1,910,770 |
–1,743,885 |
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(of which directly attributable admin costs) |
–404,910 |
–391,927 |
–331,888 |
–319,860 |
–27,071 |
–30,097 |
0 |
0 |
0 |
0 |
–763,869 |
–741,883 |
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Reinsurance service result |
–70,703 |
–68,727 |
–155,958 |
–84,420 |
–81,176 |
–7,755 |
0 |
0 |
183,623 |
64,647 |
–124,215 |
–96,255 |
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|
311,408 |
293,267 |
293,112 |
241,710 |
100,876 |
21,820 |
0 |
0 |
5,359 |
3,686 |
710,756 |
560,482 |
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Financial result |
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Net investment income |
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Income from investments |
804,708 |
854,408 |
202,342 |
210,121 |
115,619 |
109,869 |
744,057 |
890,358 |
–586,603 |
–732,027 |
1,280,123 |
1,332,730 |
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(of which interest income from the application of the effective interest method) |
234,182 |
239,872 |
123,356 |
113,899 |
61,543 |
53,945 |
72,077 |
79,062 |
–43,345 |
–46,277 |
447,814 |
440,502 |
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Expenses from investments |
–257,027 |
–339,449 |
–73,346 |
–77,390 |
–25,696 |
–19,216 |
–407,237 |
–345,626 |
60,585 |
63,685 |
–702,722 |
–717,996 |
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Result of financial assets accounted for using the equity method |
40,158 |
39,299 |
0 |
0 |
0 |
0 |
5,955 |
3,828 |
175,276 |
91,870 |
221,389 |
134,996 |
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|
587,839 |
554,258 |
128,996 |
132,732 |
89,923 |
90,653 |
342,775 |
548,560 |
–350,742 |
–576,471 |
798,790 |
749,731 |
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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 |
158,995 |
214,185 |
209,246 |
188,321 |
0 |
0 |
0 |
0 |
0 |
0 |
368,241 |
402,506 |
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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 |
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|
109,643 |
186,040 |
100,114 |
146,910 |
0 |
0 |
0 |
0 |
0 |
0 |
209,757 |
332,951 |
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Financial result from insurance contracts |
–514,838 |
–593,134 |
–169,771 |
–222,765 |
–40,393 |
–30,493 |
0 |
0 |
–81,653 |
–34,534 |
–806,656 |
–880,926 |
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Financial result from reinsurance contracts |
14,516 |
15,996 |
24,083 |
21,562 |
349 |
1,856 |
0 |
0 |
–31,481 |
–30,997 |
7,468 |
8,416 |
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|
197,159 |
163,160 |
83,422 |
78,438 |
49,879 |
62,016 |
342,775 |
548,560 |
–463,876 |
–642,002 |
209,360 |
210,171 |
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Non-technical result |
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Other income |
13,157 |
19,452 |
171,020 |
160,217 |
9,019 |
5,925 |
289,911 |
263,377 |
–30,170 |
–23,822 |
452,937 |
425,150 |
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Other expenses |
–142,411 |
–138,767 |
–259,893 |
–231,795 |
–11,543 |
–3,853 |
–396,197 |
–332,155 |
31,231 |
26,949 |
–778,813 |
–679,622 |
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(of which not directly attributable admin costs) |
–119,574 |
–111,483 |
–123,051 |
–108,349 |
–386 |
–260 |
–79,428 |
–79,192 |
0 |
0 |
–322,440 |
–299,285 |
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|
–129,254 |
–119,315 |
–88,873 |
–71,578 |
–2,524 |
2,073 |
–106,285 |
–68,778 |
1,061 |
3,127 |
–325,876 |
–254,471 |
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Operating profit/(loss) |
379,314 |
337,112 |
287,661 |
248,570 |
148,231 |
85,908 |
236,489 |
479,782 |
–457,456 |
–635,189 |
594,239 |
516,182 |
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Amortisation of VBI and impairment of goodwill |
0 |
0 |
–33,460 |
–25,933 |
0 |
0 |
0 |
0 |
0 |
0 |
–33,460 |
–25,933 |
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Finance cost |
–20,949 |
–24,125 |
–7,825 |
–8,227 |
–5,825 |
–5,833 |
–64,352 |
–65,023 |
54,531 |
54,823 |
–44,421 |
–48,385 |
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Earnings before taxes |
358,365 |
312,987 |
246,375 |
214,410 |
142,406 |
80,076 |
172,137 |
414,759 |
–402,925 |
–580,367 |
516,358 |
441,865 |
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Combined ratio before reinsurance1) |
92.4% |
91.9% |
85.9% |
89.0% |
85.8% |
96.2% |
n/a |
n/a |
n/a |
n/a |
89.2% |
91.1% |
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Combined ratio after reinsurance1) |
95.6% |
95.2% |
92.3% |
92.6% |
91.8% |
96.6% |
n/a |
n/a |
n/a |
n/a |
91.7% |
93.1% |
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Cost ratio (before reinsurance)2) |
24.9% |
24.1% |
38.1% |
37.8% |
2.4% |
3.5% |
n/a |
n/a |
n/a |
n/a |
31.4% |
31.2% |
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Admin cost ratio3) |
13.3% |
13.5% |
14.9% |
15.5% |
2.0% |
2.4% |
n/a |
n/a |
n/a |
n/a |
15.3% |
15.9% |
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