UNIQA Group at a glance

Consolidated key figures

The UNIQA Group is one of the leading insurance companies in its core markets of Austria and Central and Eastern Europe (CEE). Around 22,400 employees and exclusive sales partners serve almost 16 million customers across 18 countries. UNIQA is the second largest insurance group in Austria with a market share of about 21 per cent. In the CEE growth region, UNIQA is present in 15 markets: Albania,Bosnia and Herzegovina, Bulgaria, Croatia, the Czech Republic, Hungary, Kosovo, Montenegro, North Macedonia, Poland, Romania, Russia, Serbia, Slovakia and Ukraine. In addition, insurance companies in Switzerland and Liechtenstein are also part of the UNIQA Group.

Balanced portfolio ...
Balanced portfolio (pie chart)
... in the core markets of Austria and CEE
Balanced portfolio in the core markets of Austria and CEE (pie chart)

Premium distribution

Consolidated key figures

In € million

2021

2020

Change

Premiums written

6,033.4

5,261.2

+14.7%

Savings portions from unit-linked and index-linked life insurance (before reinsurance)

324.6

304.1

+6.7%

Premiums written including savings portions from unit-linked and index-linked life insurance

6,358.0

5,565.3

+14.2%

of which property and casualty insurance

3,489.5

3,010.3

+15.9%

of which health insurance

1,226.5

1,167.6

+5.0%

of which life insurance

1,642.0

1,387.5

+18.3%

of which recurring premiums

1,491.9

1,294.3

+15.3%

of which single premiums

150.2

93.2

+61.1%

Premiums written including savings portions from unit-linked and index-linked life insurance

6,358.0

5,565.3

+14.2%

of which UNIQA Austria

3,916.6

3,837.5

+2.1%

of which UNIQA International

2,423.3

1,705.4

+42.1%

of which reinsurance

1,469.5

1,162.7

+26.4%

of which consolidation

–1,451.4

–1,140.3

+27.3%

 

 

 

 

Premiums earned (net)

5,697.6

5,029.5

+13.3%

of which property and casualty insurance

3,203.9

2,809.0

+14.1%

of which health insurance

1,213.3

1,163.6

+4.3%

of which life insurance

1,280.4

1,057.0

+21.1%

Savings portions from unit-linked and index-linked life insurance (after reinsurance)

324.6

304.1

+6.7%

Premiums earned including savings portions from unit-linked and index-linked life insurance

6,022.2

5,333.7

+12.9%

 

 

 

 

Insurance benefits1)

–4,104.2

–3,694.6

+11.1%

of which property and casualty insurance

–1,965.1

–1,775.1

+10.7%

of which health insurance

–997.7

–963.1

+3.6%

of which life insurance2)

–1,141.4

–956.4

+19.3%

 

 

 

 

Operating expenses (net)3)

–1,648.5

–1,566.4

+5.2%

of which property and casualty insurance

–1,037.8

–970.7

+6.9%

of which health insurance

–206.6

–225.0

–8.2%

of which life insurance

–404.1

–370.7

–9.0%

Cost ratio (net after reinsurance)

27.4%

29.4%

 

 

 

 

Combined ratio (after reinsurance)

93.7%

97.8%

 

 

 

 

Net investment income

648.0

505.4

+28.2%

 

 

 

 

Earnings before taxes

382.3

57.1

+570.0%

Profit/loss for the period

317.9

24.3

+1.209.3%

Consolidated profit/loss

314.7

19.4

+1.521.7%

 

 

 

 

Return on equity

9.3 %

0.6 %

 

 

 

 

Investments

21,785.0

22,319.2

–2.4%

Equity

3,303.6

3,450.1

–4.2%

Equity, including non-controlling interests

3,323.3

3,474.8

–4.4%

Technical provisions (net)4)

23,610.9

23,796.8

–0.8%

Total assets

31,547.8

31,908.0

–1.1%

 

 

 

 

Number of insurance contracts

26,008,281

25,058,554

+3.8%

Average number of employees (FTE)

14,849

13,408

+10.7%

1)

Including expenditure for profit participation and premium refunds

2)

Including expenditure for (deferred) profit participation

3)

Less reinsurance commissions and share of profit from reinsurance ceded

4)

Including technical provisions from unit-linked and index-linked life insurance

Premiums written

In € million

Premiums written (bar chart)
(Including savings from unit-linked and index-linked life insurance)
Combined ratio

In per cent

Combined ratio (line chart)
(Including savings from unit-linked and index-linked life insurance)
Earnings before taxes

In € million

Earnings before taxes (bar chart)
Regulatory solvency capital requirement ratio (SCR)

In per cent

Economic capital requirement ratio (SCR ratio) (line chart)
Dividend per share

In €

Dividend per share (bar chart)
1) Proposal to the Annual General Meeting
Return on equity

In per cent

Return on equity (line chart)
Consolidated key figures – five-year comparison

In € million

2021

2020

2019

2018

2017

Premiums written including savings portions from unit-linked and index-linked life insurance

6,358

5,565

5,373

5,309

5,293

of which property and casualty insurance

3,490

3,010

2,847

2,774

2,640

of which health insurance

1,226

1,168

1,131

1,086

1,042

of which life insurance

1,642

1,387

1,395

1,449

1,612

Insurance benefits (net)

–4,104

–3,695

–3,666

–3,634

–3,547

of which property and casualty insurance

–1,965

–1,775

–1,719

–1,690

–1,645

of which health insurance

–998

–963

–969

–908

–878

of which life insurance

–1,141

–956

–977

–1,036

–1,025

Operating expenses (net)

–1,649

–1,566

–1,407

–1,315

–1,276

of which property and casualty insurance

–1,038

–971

–861

–811

–788

of which health insurance

–207

–225

–188

–184

–168

of which life insurance

–404

–371

–358

–320

–320

Combined ratio after reinsurance (in per cent)

93.7%

97.8%

96.4%

96.8%

97.5%

Loss ratio (in per cent)

61.3%

63.2%

64.2%

65.4%

65.9%

Cost ratio (in per cent)

32.4%

34.6%

32.2%

31.4%

31.6%

Net investment income

648

505

585

585

572

Earnings before taxes

382

57

232

295

265

of which property and casualty insurance

107

–68

61

120

95

of which health insurance

173

80

86

96

110

of which life insurance

102

45

85

78

60

Consolidated profit/(loss)

315

19

171

243

172

Earnings per share (in €)

1.03

0.06

0.56

0.79

0.56

Dividend per share (in €)

0,551)

0.18

0.18

0.53

0.51

Equity (portion attributable to shareholders of UNIQA Insurance Group AG)

3,304

3,450

3,368

2,972

3,158

Total assets

31,548

31,908

28,674

28,504

28,744

Operating return on equity (in per cent)

9.3%

0.6%

5.4%

7.9%

5.1%

Solvency capital requirement (SCR) ratio (in per cent)

196%

170%

221%

248%

250%

1)

Proposal to the Annual General Meeting