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Group Report
2025
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Home
At a glance
At a glance
Growing Impact
Consolidated key figures
Highlights of 2025
Foreword by the CEO
35 years at the Vienna stock exchange
UNIQA Group
UNIQA Group
What we stand for
What we stand for
Mission
Markets
Service
Focus on high-performing employees
Group Executive Board
What we want to be
What we want to be
Overview
UNIQA 3.0 – Growing Impact: Ahead of Plan
Focusing on satisfied customers
Steadily moving towards net zero: UNIQA remains on course
UNIQA’s “health ecosystem” is growing
We offer investors
We offer investors
Overview
UNIQA shares flying high
UNIQA bonds: Solidly financed on a sustainable basis
Corporate Governance
Corporate Governance
Overview
Management Board
Management Board
Composition
Work
Supervisory Board
Supervisory Board
Composition
Committees
Work
Independence
Measures to promote women
Diversity concept
Remuneration report
Risk report
Evaluation
Report of the Supervisory Board
Management Report
Management Report
Performance
Performance
Economic environment
UNIQA Group
UNIQA Group
General
Group business development
Operating segments
Operating segments
UNIQA Austria
UNIQA International
Reinsurance
Group Functions and Consolidation
Events after the reporting date
Outlook
Information pursuant to Section 243a(1) of the Austrian Commercial Code
Disclosures required under Section 243a(2) of the Austrian Commercial Code
Proposed appropriation of profit
Consolidated Non-Financial Report
Consolidated Non-Financial Report
About this report
Sustainability statement
1. General information
2. Climate Change (ESRS E1)
3. Biodiversity and ecosystems (ESRS E4)
4. The UNIQA workforce (ESRS S1)
5. Workers in the value chain (ESRS S2)
6. Consumers and end-users (ESRS S4)
7. Business conduct (ESRS G1)
Financial Statements
Financial Statements
Consolidated Income Statement
Consolidated Statement of Comprehensive Income
Consolidated Statement of Financial Position
Consolidated Statement of Changes in Equity
Consolidated Statement of Cash Flows
Notes to the Consolidated Financial Statements
Notes to the Consolidated Financial Statements
General information
General information
Accounting principles
Use of judgements and estimates
Changes in major accounting policies
Segment reporting
Segment reporting
Operating segments
Impairment by segment
Operating segments – classified by business line
UNIQA International – classified by region
Consolidated statement of financial position – classified by business line
1.
Financial instruments, investments and financial liabilities
2.
Investments
Investments
2.1.
Investment property
2.2.
Financial assets accounted for using the equity method
2.3.
Other investments and unit-linked and index-linked life insurance investments
2.4.
Net investment income
3.
Insurance contracts
Insurance contracts
3.
Insurance contracts
4.
Other non-current assets
Other non-current assets
4.1.
Property, plant and equipment
4.2.
Intangible assets
5.
Other current assets and liabilities
Other current assets and liabilities
5.1.
Other assets
5.2.
Cash
5.3.
Assets and liabilities held for sale and discontinued operations
6.
Taxes
Taxes
6.1.
Income tax
6.2.
Deferred taxes
7.
Other provisions
Other provisions
7.1.
Social capital
Social capital
7.1.1.
Defined benefit plans
7.1.2.
Defined contribution plans
7.1.3.
Employees
8.
Equity
Equity
8.1.
Subscribed capital and capital reserves
8.2.
Treasury shares
8.3.
Capital management
8.4.
Non-controlling interests
9.
Financial liabilities
Financial liabilities
9.1.
Subordinated liabilities
9.2.
Financial liabilities
10.
Liabilities and other items classified as liabilities
11.
Other non-technical income and expenses
Other non-technical income and expenses
11.1.
Other income
11.2.
Other expenses
12.
Other disclosures
Other disclosures
12.1.
Group holding company
12.2.
Remuneration for the Management Board and Supervisory Board
12.3.
Share-based payment agreement with cash settlement
12.4.
Relationships with related companies and persons
12.5.
Other financial obligations
12.6.
Expenses for the auditor of the financial statements
12.7.
Consolidation principles
12.8.
Scope of consolidation
12.9.
Foreign currency translation
13.
Significant events after the reporting date
14.
Risk report
Risk report
14.1.
Risk strategy
14.2.
Risk management system
14.3.
Activities and objectives in 2024
14.4.
Challenges and priorities in risk management for 2025
14.5.
Risk profile
14.6.
Reinsurance
Approval for publication
Declaration of the legal representatives
Auditor’s Report
Independent Assurance Report
Home
At a glance
At a glance
Growing Impact
Consolidated key figures
Highlights of 2025
Foreword by the CEO
35 years at the Vienna stock exchange
UNIQA Group
UNIQA Group
What we stand for
What we stand for
Mission
Markets
Service
Focus on high-performing employees
Group Executive Board
What we want to be
What we want to be
Overview
UNIQA 3.0 – Growing Impact: Ahead of Plan
Focusing on satisfied customers
Steadily moving towards net zero: UNIQA remains on course
UNIQA’s “health ecosystem” is growing
We offer investors
We offer investors
Overview
UNIQA shares flying high
UNIQA bonds: Solidly financed on a sustainable basis
Corporate Governance
Corporate Governance
Overview
Management Board
Management Board
Composition
Work
Supervisory Board
Supervisory Board
Composition
Committees
Work
Independence
Measures to promote women
Diversity concept
Remuneration report
Risk report
Evaluation
Report of the Supervisory Board
Management Report
Management Report
Performance
Performance
Economic environment
UNIQA Group
UNIQA Group
General
Group business development
Operating segments
Operating segments
UNIQA Austria
UNIQA International
Reinsurance
Group Functions and Consolidation
Events after the reporting date
Outlook
Information pursuant to Section 243a(1) of the Austrian Commercial Code
Disclosures required under Section 243a(2) of the Austrian Commercial Code
Proposed appropriation of profit
Consolidated Non-Financial Report
Consolidated Non-Financial Report
About this report
Sustainability statement
1. General information
2. Climate Change (ESRS E1)
3. Biodiversity and ecosystems (ESRS E4)
4. The UNIQA workforce (ESRS S1)
5. Workers in the value chain (ESRS S2)
6. Consumers and end-users (ESRS S4)
7. Business conduct (ESRS G1)
Financial Statements
Financial Statements
Consolidated Income Statement
Consolidated Statement of Comprehensive Income
Consolidated Statement of Financial Position
Consolidated Statement of Changes in Equity
Consolidated Statement of Cash Flows
Notes to the Consolidated Financial Statements
Notes to the Consolidated Financial Statements
General information
General information
Accounting principles
Use of judgements and estimates
Changes in major accounting policies
Segment reporting
Segment reporting
Operating segments
Impairment by segment
Operating segments – classified by business line
UNIQA International – classified by region
Consolidated statement of financial position – classified by business line
1.
Financial instruments, investments and financial liabilities
2.
Investments
Investments
2.1.
Investment property
2.2.
Financial assets accounted for using the equity method
2.3.
Other investments and unit-linked and index-linked life insurance investments
2.4.
Net investment income
3.
Insurance contracts
Insurance contracts
3.
Insurance contracts
4.
Other non-current assets
Other non-current assets
4.1.
Property, plant and equipment
4.2.
Intangible assets
5.
Other current assets and liabilities
Other current assets and liabilities
5.1.
Other assets
5.2.
Cash
5.3.
Assets and liabilities held for sale and discontinued operations
6.
Taxes
Taxes
6.1.
Income tax
6.2.
Deferred taxes
7.
Other provisions
Other provisions
7.1.
Social capital
Social capital
7.1.1.
Defined benefit plans
7.1.2.
Defined contribution plans
7.1.3.
Employees
8.
Equity
Equity
8.1.
Subscribed capital and capital reserves
8.2.
Treasury shares
8.3.
Capital management
8.4.
Non-controlling interests
9.
Financial liabilities
Financial liabilities
9.1.
Subordinated liabilities
9.2.
Financial liabilities
10.
Liabilities and other items classified as liabilities
11.
Other non-technical income and expenses
Other non-technical income and expenses
11.1.
Other income
11.2.
Other expenses
12.
Other disclosures
Other disclosures
12.1.
Group holding company
12.2.
Remuneration for the Management Board and Supervisory Board
12.3.
Share-based payment agreement with cash settlement
12.4.
Relationships with related companies and persons
12.5.
Other financial obligations
12.6.
Expenses for the auditor of the financial statements
12.7.
Consolidation principles
12.8.
Scope of consolidation
12.9.
Foreign currency translation
13.
Significant events after the reporting date
14.
Risk report
Risk report
14.1.
Risk strategy
14.2.
Risk management system
14.3.
Activities and objectives in 2024
14.4.
Challenges and priorities in risk management for 2025
14.5.
Risk profile
14.6.
Reinsurance
Approval for publication
Declaration of the legal representatives
Auditor’s Report
Independent Assurance Report
Home
Management Report
Performance
Events after the reporting date
Events after the reporting date
No material reportable events occurred after the reporting date.
Related Links
13. Significant events after the reporting date
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