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Earnings Document

Inhalt

Deutsch
Englisch
2
Vienna Insurance Group Finanzdaten 3M 2022 Vienna Insurance Group Key Financials 3M 2022 Vienna Insurance Group Key Financials 3M 2022
Yearly comparison Jahresvergleich Page Seite Yearly comparison Page
Income Statement Gewinn- und Verlustrechnung Income Statement 2
Balance Sheet Bilanz Balance Sheet 3
P&L by segments GuV nach Segmenten P&L by segments 4
P&L by segments - Quarterly GuV nach Segmenten - Quartale P&L by segments - Quarterly 9
Overview by countries Länderübersicht Overview by countries 14
Shareholders' Equity Eigenkapitel
Other Sonstiges Other Page
Combined Ratio Combined Ratio Combined Ratio 15
Additional information Zusätzliche Informationen Additional information 16

Inhalt

Gewinn- und Verlustrechnung

Deutsch
Englisch
2
Gewinn- und Verlustrechnung nach IFRS (in EUR Mio.) Income Statment according to IFRS (EUR mn) Income Statment according to IFRS (EUR mn)
3M 2022 3M 2021 +/- %
Verrechnete Prämien Gross premiums written Gross premiums written 3,454.7 3,106.8 11.2
Abgegrenzte Prämien Net earned premiums Net earned premiums 2,622.0 2,416.3 8.5
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies 148.1 175.8 -15.7
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies -0.2 -2.3 -91.5
Sonstige Erträge Other income Other income 32.8 58.4 -43.9
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -1,935.6 -1,822.6 6.2
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -675.3 -627.6 7.6
Sonstige Aufwendungen Other expenses Other expenses -68.1 -70.1 -2.9
Operatives Gruppenergebnis Business operating result Business operating result 123.8 128.0 -3.3
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 123.8 128.0 -3.3
Steuern Taxes Taxes -29.4 -27.9 5.5
Periodenergebnis Result of the period Result of the period 94.3 100.1 -5.7
Nicht beherrschende Anteile am Periodenergebnis Non-controlling interests in the result of the period Non-controlling interests in the result of the period -3.0 -1.1 >100
Periodenergebnis nach Steueund Nicht beherrschende Anteile Result of the period after taxes and non-controlling interests Result of the period after taxes and non-controlling interests 91.3 99.0 -7.7

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Bilanz

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Englisch
2
Spalte 8
Bilanz nach IFRS (in EUR Mio.) Balance Sheet according to IFRS (EUR mn) Balance Sheet according to IFRS (EUR mn)
0 3/31/22 12/31/21 +/-%
Immaterielle Vermögenswerte Intangible assets Intangible assets 1,751 1,744 0.4
Nutzungsrechte Right-of-Use assets Right-of-Use assets 173 173 -0.3
Kapitalanlagen Investments Investments 33,589 34,810 -3.5
Kapitalanlagen der fonds- und indexgebundenen Lebensversicherung Investments for unit- and index-linked life insurance Investments for unit- and index-linked life insurance 8,027 8,525 -5.9
Anteile der Rückversicherer an den versicherungstechn. Rückstellungen Reinsurers' share in underwriting provisions Reinsurers' share in underwriting provisions 1,878 1,565 20.0
Forderungen Receivables Receivables 2,201 2,067 6.5
Steuerforderungen und Vorauszahlungen aus Ertragssteuern Tax receivables and advance payments out of income tax Tax receivables and advance payments out of income tax 113 135 -16.5
Aktive Steuerabgrenzung Deferred tax assets Deferred tax assets 365 311 17.3
Übrige Aktiva Other assets Other assets 428 391 9.4
Zahlungsmittel und Zahlungsmitteläquivalente Cash and cash equivalents Cash and cash equivalents 2,526 2,456 2.8
Summe Aktiva Total assets Total assets 51,051 52,178 -2.2
Eigenkapital Shareholders' equity Shareholders' equity 5,218 5,598 -6.8
davon nicht beherrschende Anteile thereof non-controlling interests thereof non-controlling interests 133 120 11.0
Nachrangige Verbindlichkeiten Subordinated liabilities Subordinated liabilities 1,462 1,461 0.0
Versicherungstechnische Rückstellungen Underwriting provisions Underwriting provisions 32,302 32,546 -0.8
Versicherungstechnische Rückstellungen der fonds- und indexgebundenen LV Underwriting provisions for unit- and index-linked life insurance Underwriting provisions for unit- and index-linked life insurance 7,700 8,189 -6.0
Nichtversicherungstechnische Rückstellungen Non-underwriting provisions Non-underwriting provisions 869 890 -2.4
Verbindlichkeiten Liabilities Liabilities 3,042 2,900 4.9
Steuerverbindlichkeiten aus Ertragssteuern Tax liabilities out of income tax Tax liabilities out of income tax 222 243 -8.9
Passive Steuerabgrenzung Deferred tax liabilities Deferred tax liabilities 105 219 -51.9
Übrige Passiva Other liabilities Other liabilities 132 131 0.6
Summe Passiva Total liabilities and shareholders' equity Total liabilities and shareholders' equity 51,051 52,178 -2.2

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GuV Segmente

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Segementbericht Länder nach IFRS (in EUR Mio.) Segment reporting by regions according to IFRS (EUR mn) Segment reporting by regions according to IFRS (EUR mn)
Österreich
Tschechische Republik
Austria Gross premiums written Gross premiums written Czech Republic Gross premiums written Gross premiums written Poland Gross premiums written Gross premiums written
3M 2022 3M 2021 +/-% 3M 2022 3M 2021 +/-% 3M 2022 3M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 1,371.0 1,334.1 2.8 582.5 479.6 21.4 336.6 325.3 3.5
Abgegrenzte Prämien Net earned premiums Net earned premiums 868.2 848.9 2.3 390.7 342.4 14.1 248.9 237.7 4.7
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies 101.8 153.4 -33.6 29.1 21.3 36.6 2.7 10.9 -75.1
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies -0.4 -2.8 -87.1 0.0 0.1 n.a. 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 5.4 5.3 2.0 8.1 9.4 -13.5 3.6 3.7 -3.5
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -751.9 -751.6 0.0 -253.7 -223.8 13.4 -171.4 -170.3 0.6
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -198.7 -192.7 3.1 -113.4 -91.1 24.5 -65.0 -57.9 12.2
Sonstige Aufwendungen Other expenses Other expenses -1.4 -6.2 -77.6 -10.6 -10.9 -3.0 -7.6 -8.3 -8.7
Operatives Gruppenergebnis Business operating result Business operating result 23.0 54.4 -57.8 50.2 47.4 5.9 11.3 15.7 -28.1
Anpassungen Adjustments Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a. 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 23.0 54.4 -57.8 50.2 47.4 5.9 11.3 15.7 -28.1
Combined Ratio Combined Ratio Combined Ratio 92.9% 94.2% 94.1% 94.4% 95.0% 93.7%
Österreich Austria
Tschechische Republik Czech Republic
Polen Poland
Erweiterte CEE Extended CEE
Spezialmärkte Special Markets
Gruppenfunktionen Group Functions
Konsolidierung Consolidation
Gesamt Total
Extended CEE Gross premiums written Gross premiums written Special Markets Gross premiums written Gross premiums written Group Functions Gross premiums written Gross premiums written
3M 2022 3M 2021 +/-% 3M 2022 3M 2021 +/-% 3M 2022 3M 2021 +/-%
Gross premiums written 890.9 743.0 19.9 152.1 145.5 4.5 659.6 526.8 25.2
Net earned premiums 597.1 526.3 13.4 82.0 89.9 -8.8 438.1 371.0 18.1
Financial result excl. result from shares in at equity consolidated companies 28.1 32.6 -14.1 6.4 7.5 -14.9 -19.2 -49.4 -61.2
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 0.0 0.0 n.a. 0.2 0.5 -63.2
Other income 9.1 12.3 -26.2 5.9 23.5 -74.9 1.6 4.8 -67.5
Expenses for claims and insurance benefits -405.3 -370.5 9.4 -56.4 -76.9 -26.7 -295.2 -230.9 27.8
Acquisition and administrative expenses -155.3 -134.5 15.4 -13.6 -17.3 -21.6 -133.4 -134.9 -1.1
Other expenses -29.8 -25.4 17.5 -16.0 -15.7 1.8 -4.8 -3.0 59.5
Business operating result 43.8 40.9 7.2 8.3 11.0 -24.1 -12.7 -42.0 -69.7
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes 43.8 40.9 7.2 8.3 11.0 -24.1 -12.7 -42.0 -69.7
Combined Ratio 93.4% 93.7% 90.9% 87.7%
Consolidation Total Gross premiums written Gross premiums written
3M 2022 3M 2021 +/-% 3M 2022 3M 2021 +/-%
Gross premiums written -537.8 -447.5 20.2 3,454.7 3,106.8 11.2
Net earned premiums -2.8 0.2 n.a. 2,622.0 2,416.3 8.5
Financial result excl. result from shares in at equity consolidated companies -0.8 -0.6 30.1 148.1 175.8 -15.7
Result from shares in at equity consolidated companies 0.0 0.0 n.a. -0.2 -2.3 -91.5
Other income -0.9 -0.6 46.7 32.8 58.4 -43.9
Expenses for claims and insurance benefits -1.7 1.5 n.a. -1,935.6 -1,822.6 6.2
Acquisition and administrative expenses 4.0 0.8 >100 -675.3 -627.6 7.6
Other expenses 2.1 -0.6 n.a. -68.1 -70.1 -2.9
Business operating result -0.1 0.7 n.a. 123.8 128.0 -3.3
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes -0.1 0.7 n.a. 123.8 128.0 -3.3
Combined Ratio 94.6% 95.2%

Segmentbericht Länder Seite &P

Quartale GuV Segmente

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Quartalsweise Segmentberichterstattung Segment reporting - quarterly Segment reporting - quarterly
Austria
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Verrechnete Prämien Gross premiums written Gross premiums written 836.9 1,334.1 945.6 927.3 841.4 1,371.0
Abgegrenzte Prämien Net earned premiums Net earned premiums 789.2 848.9 802.5 812.9 778.2 868.2
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies 109.2 153.4 146.0 143.3 137.3 101.8
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 1.3 -2.8 3.1 3.2 19.6 -0.4
Sonstige Erträge Other income Other income 2.6 5.3 9.4 4.4 8.7 5.4
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -693.5 -751.6 -737.8 -759.1 -670.8 -751.9
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -144.2 -192.7 -164.4 -162.2 -172.5 -198.7
Sonstige Aufwendungen Other expenses Other expenses -8.5 -6.2 -7.3 -4.7 -9.4 -1.4
Operatives Gruppenergebnis Business operating result Business operating result 56.1 54.4 51.5 37.8 91.1 23.0
Anpassungen Adjustments Adjustments 0.0 0.0 0.0 0.0 0.0 0.0
Ergebnis vor Steuern Result before taxes Result before taxes 56.1 54.4 51.5 37.8 91.1 23.0
Czech Republic
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 435.4 479.6 465.9 460.0 459.4 582.5
Österreich Austria Net earned premiums 322.3 342.4 351.9 353.0 352.5 390.7
Tschechische Republik Czech Republic Financial result excl. result from shares in at equity consolidated companies 12.4 21.3 17.9 19.6 12.1 29.1
Polen Poland Result from shares in at equity consolidated companies -0.3 0.1 1.2 1.4 -1.6 0.0
Erweiterte CEE Extended CEE Other income 9.3 9.4 5.5 6.4 9.0 8.1
Spezialmärkte Special Markets Expenses for claims and insurance benefits -212.0 -223.8 -217.5 -211.3 -176.2 -253.7
Gruppenfunktionen Group Functions Acquisition and administrative expenses -97.2 -91.1 -105.3 -108.6 -123.3 -113.4
Konsolidierung Consolidation Other expenses 4.9 -10.9 -4.3 -8.8 -34.3 -10.6
Gesamt Total Business operating result 39.3 47.4 49.5 51.8 38.2 50.2
Adjustments 0.0 0.0 0.0 0.0 0.0 0.0
Result before taxes 39.3 47.4 49.5 51.8 38.2 50.2
Poland
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 307.2 325.3 315.4 310.6 328.5 336.6
Net earned premiums 236.9 237.7 243.0 247.8 254.6 248.9
Financial result excl. result from shares in at equity consolidated companies 7.1 10.9 5.8 7.9 -0.6 2.7
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0
Other income 0.5 3.7 1.8 2.2 1.9 3.6
Expenses for claims and insurance benefits -170.0 -170.3 -168.7 -173.5 -158.7 -171.4
Acquisition and administrative expenses -65.4 -57.9 -55.9 -59.5 -67.8 -65.0
Other expenses -21.4 -8.3 -7.9 -7.5 -10.0 -7.6
Business operating result -12.3 15.7 18.1 17.4 19.4 11.3
Adjustments 0.0 0.0 0.0 0.0 -0.7 0.0
Result before taxes -12.3 15.7 18.1 17.4 18.7 11.3
Extended CEE
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 661.6 743.0 688.5 695.6 759.6 890.9
Net earned premiums 525.6 526.3 545.7 548.7 580.0 597.1
Financial result excl. result from shares in at equity consolidated companies 26.4 32.6 30.3 30.0 37.2 28.1
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0
Other income 13.8 12.3 7.1 9.2 24.9 9.1
Expenses for claims and insurance benefits -357.5 -370.5 -375.5 -391.6 -367.4 -405.3
Acquisition and administrative expenses -148.1 -134.5 -140.9 -140.3 -156.8 -155.3
Other expenses -36.8 -25.4 -23.6 -33.4 -35.7 -29.8
Business operating result 23.5 40.9 43.0 22.6 82.2 43.8
Adjustments 0.0 0.0 0.0 0.0 0.0 0.0
Result before taxes 23.5 40.9 43.0 22.6 82.2 43.8
Special Markets
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 144.8 145.5 123.6 124.3 138.2 152.1
Net earned premiums 82.9 89.9 83.8 84.5 67.7 82.0
Financial result excl. result from shares in at equity consolidated companies 6.6 7.5 8.5 7.2 12.5 6.4
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0
Other income -11.8 23.5 2.2 -3.6 7.6 5.9
Expenses for claims and insurance benefits -53.2 -76.9 -57.8 -52.7 -41.6 -56.4
Acquisition and administrative expenses -12.5 -17.3 -16.6 -14.4 -17.4 -13.6
Other expenses -9.6 -15.7 -8.9 -12.6 -21.5 -16.0
Business operating result 2.4 11.0 11.2 8.4 7.2 8.3
Adjustments 0.4 0.0 0.0 0.0 0.0 0.0
Result before taxes 2.9 11.0 11.2 8.4 7.2 8.3
Group Functions
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 393.5 526.8 488.1 467.1 483.1 659.6
Net earned premiums 351.9 371.0 379.7 392.5 410.9 438.1
Financial result excl. result from shares in at equity consolidated companies -54.0 -49.4 -32.0 -35.4 -112.8 -19.2
Result from shares in at equity consolidated companies 0.2 0.5 0.6 0.6 -1.1 0.2
Other income -6.3 4.8 -3.1 1.0 13.9 1.6
Expenses for claims and insurance benefits -177.5 -230.9 -257.4 -237.6 -260.1 -295.2
Acquisition and administrative expenses -142.6 -134.9 -129.0 -140.5 -132.4 -133.4
Other expenses -1.9 -3.0 -7.5 6.0 -25.2 -4.8
Business operating result -30.1 -42.0 -48.6 -13.4 -106.8 -12.7
Adjustments 0.0 0.0 0.0 0.0 0.0 0.0
Result before taxes -30.1 -42.0 -48.6 -13.4 -106.8 -12.7
Consolidation
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written -337.3 -447.5 -361.0 -366.9 -398.6 -537.8
Net earned premiums 3.2 0.2 -0.4 1.0 -1.2 -2.8
Financial result excl. result from shares in at equity consolidated companies -1.0 -0.6 -1.3 -0.7 -1.5 -0.8
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0
Other income -0.2 -0.6 -0.5 -0.3 -0.2 -0.9
Expenses for claims and insurance benefits -11.7 1.5 3.6 0.6 -3.1 -1.7
Acquisition and administrative expenses -2.5 0.8 2.7 -1.4 -2.7 4.0
Other expenses 12.4 -0.6 -5.3 0.9 13.4 2.1
Business operating result 0.2 0.7 -1.2 0.2 4.7 -0.1
Adjustments 0.0 0.0 0.0 0.0 0.0 0.0
Result before taxes 0.2 0.7 -1.2 0.2 4.7 -0.1
Total
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22
Gross premiums written 2,442.1 3,106.8 2,666.1 2,617.9 2,611.7 3,454.7
Net earned premiums 2,312.1 2,416.3 2,406.3 2,440.4 2,442.6 2,622.0
Financial result excl. result from shares in at equity consolidated companies 106.8 175.8 175.1 171.9 84.2 148.1
Result from shares in at equity consolidated companies 1.1 -2.3 5.0 5.2 17.0 -0.2
Other income 7.9 58.4 22.3 19.3 65.7 32.8
Expenses for claims and insurance benefits -1,675.4 -1,822.6 -1,810.9 -1,825.2 -1,677.9 -1,935.6
Acquisition and administrative expenses -612.5 -627.6 -609.5 -626.8 -672.9 -675.3
Other expenses -60.9 -70.1 -64.9 -60.1 -122.8 -68.1
Business operating result 79.1 128.0 123.4 124.7 135.9 123.8
Adjustments 0.5 0.0 0.0 0.0 -0.7 0.0
Result before taxes 79.6 128.0 123.4 124.7 135.2 123.8

Länderübersicht

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Länderübersicht nach IFRS (in EUR Mio.) Overview by countries according to IFRS (EUR mn)
Overview by countries according to IFRS (EUR mn)
GWP MTPL GWP Casco GWP Other property GWP Life regular GWP Life single GWP Health GWP Total Combined Ratio (%, net) Result before Taxes
3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021
Österreich Austria Austria 113.6 110.9 109.2 103.9 632.3 604.0 337.0 339.2 57.4 57.8 121.5 118.3 1,371.0 1,334.1 92.9 94.2 23.0 54.4
Tschechien Czech Republic Czech Republic 95.8 84.6 77.5 64.2 208.2 152.7 187.6 165.5 7.5 7.9 5.9 4.9 582.5 479.6 94.1 94.4 50.2 47.4
Polen Poland Poland 73.4 76.9 44.8 47.6 138.9 125.3 42.0 41.2 33.0 30.9 4.5 3.6 336.6 325.3 95.0 93.7 11.3 15.7
Erweiterte CEE Extended CEE Extended CEE 200.2 136.9 151.2 133.6 215.2 194.6 139.2 121.6 121.1 106.2 64.0 50.1 890.9 743.0 93.4 93.7 43.8 40.9
Albanien Albania Albania 6.4 6.1 0.6 0.5 2.0 2.1 - - - - 0.8 0.8 9.8 9.5 87.8 97.9 1.0 0.5
Baltikum The Baltic The Baltic 27.8 25.0 25.7 24.0 38.2 31.2 21.0 18.5 12.1 8.2 34.1 23.7 158.9 130.6 99.4 97.0 1.7 4.1
Bosnien&Herzegowina Bosnia&Herzegovina Bosnia&Herzegovina 0.7 0.6 0.5 0.5 4.4 3.5 3.6 3.6 0.8 0.8 0.1 0.1 10.0 9.1 107.1 115.5 0.0 0.1
Bulgarien Bulgaria Bulgaria 7.9 8.6 19.5 16.9 18.2 14.0 12.8 9.1 2.2 3.1 7.9 5.8 68.5 57.6 75.3 90.2 12.1 6.2
Kroatien Croatia Croatia 4.7 4.2 2.8 2.3 17.8 14.8 6.2 6.5 12.8 17.5 3.6 2.9 47.8 48.1 94.2 96.4 3.1 2.9
Moldau Moldova Moldova 1.1 0.7 0.8 0.7 0.8 0.9 - - - - 0.2 0.1 2.8 2.5 104.4 96.8 0.1 0.2
Nordmazedonien North Macedonia North Macedonia 3.2 3.0 0.4 0.4 3.2 3.2 - - - - 0.1 0.1 6.9 6.6 96.5 95.7 0.3 0.3
Rumänien Romania Romania 73.7 23.0 55.2 46.2 42.6 36.2 13.6 12.7 34.5 24.7 5.2 3.4 224.8 146.2 95.4 100.6 7.6 4.6
Serbien Serbia Serbia 2.2 1.3 3.0 2.6 11.6 9.2 7.9 7.8 4.4 2.7 2.3 1.9 31.4 25.5 86.0 83.3 2.4 2.3
Slowakei Slovakia Slovakia 41.2 40.8 29.9 27.1 39.7 46.2 50.6 41.8 36.3 31.3 1.4 4.5 199.2 191.8 89.6 82.4 10.1 16.1
Ukraine Ukraine Ukraine 13.2 8.4 4.9 5.3 4.8 4.8 0.4 0.5 - - 4.3 3.5 27.6 22.6 92.4 92.4 3.1 0.9
Ungarn Hungary Hungary 18.1 15.1 7.9 7.1 31.9 28.5 23.2 21.2 17.9 17.9 4.2 3.3 103.2 93.0 103.7 99.9 2.2 2.7
Spezialmärkte Special Markets Special Markets 12.8 7.9 9.8 11.2 79.2 75.2 21.1 21.5 14.6 18.2 14.7 11.5 152.1 145.5 90.9 87.7 8.3 11.0
Deutschland Germany Germany - - - - 38.5 37.6 19.6 19.6 6.2 5.4 - - 64.2 62.6 78.7 76.9 7.9 8.3
Georgien Georgia Georgia 0.5 0.4 2.1 1.6 3.9 2.8 - - - - 13.6 10.1 20.0 14.9 90.7 80.1 0.1 0.2
Liechtenstein Liechtenstein Liechtenstein - - - - - - 1.5 1.9 8.5 12.8 - - 10.0 14.6 - - -0.1 -0.1
Türkei Turkey Turkey 12.4 7.6 7.7 9.6 36.8 34.7 - - - - 1.1 1.4 57.9 53.4 109.7 102.6 0.3 2.5
Ver. Prämie KFZ-Haftpflicht GWP MTPL
Ver. Prämie KFZ-Kasko GWP Casco
Ver. Prämie Sonstige Sach GWP Other property
Ver. Prämie Leben-lfd.Prämie GWP Life regular
Ver. Prämie Leben-Einmalerlag GWP Life single
Ver. Prämie Kranken GWP Health
Ver. Prämie Gesamt GWP Total
Ergebnis vor Steuern Result before Taxes
Combined Ratio (%, netto) Combined Ratio (%, net)

Länderübersicht Seite &P

CoR

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Combined Ratio Combined Ratio Combined Ratio
3M 2022 3M 2021
Abgegrenzte Prämien Net earned premiums Net earned premiums 1,544.4 1,396.6
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -960.3 -871.1
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -478.2 -440.7
Sonstiges versicherungstechnisches Ergebnis Other technical result Other technical result -21.9 -18.1
Schadensatz Claims ratio Claims ratio 62.2% 62.4%
Kostensatz Cost ratio Cost ratio 32.4% 32.8%
Combined Ratio Combined Ratio Combined Ratio 94.6% 95.2%

&A Seite &P

Zusätzliche Informationen

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Zusätzliche Informationen (in EUR Mio.) Additional information (EUR mn) Additional information (EUR mn)
GuV P&L P&L
Schaden/Unfall P&C P&C 3M 2022 3M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 2,317.4 2,035.9 13.8
Abgegrenzte Prämien Net earned premiums Net earned premiums 1,544.4 1,396.6 10.6
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies 13.2 -6.1 n.a.
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 1.1 -1.2 n.a.
Sonstige Erträge Other income Other income 22.6 33.7 -33.0
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -960.3 -871.1 10.2
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -478.2 -440.7 8.5
Sonstige Aufwendungen Other expenses Other expenses -50.6 -52.7 -4.0
Operatives Gruppenergebnis Business operating result Business operating result 92.2 58.5 57.7
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 92.2 58.5 57.7
GuV P&L P&L
Leben Life Life 3M 2022 3M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 965.3 914.9 5.5
Abgegrenzte Prämien Net earned premiums Net earned premiums 928.1 880.2 5.4
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies 141.0 173.4 -18.7
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies -1.3 -1.1 24.1
Sonstige Erträge Other income Other income 9.9 24.2 -59.3
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -852.0 -840.5 1.4
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -172.2 -164.9 4.4
Sonstige Aufwendungen Other expenses Other expenses -17.0 -16.7 1.8
Operatives Gruppenergebnis Business Operating Result Business Operating Result 36.4 54.6 -33.4
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 36.4 54.6 -33.4
GuV P&L P&L
Kranken Health Health 3M 2022 3M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 172.1 156.1 10.3
Abgegrenzte Prämien Net earned premiums Net earned premiums 149.5 139.5 7.1
Finanzergebnis exkl. Ergebnis aus Anteilen an at equity bewerteten Unternehmen Financial result excl. result from shares in at equity consolidated companies Financial result excl. result from shares in at equity consolidated companies -6.0 8.5 n.a.
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 0.3 0.5 -37.5
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -123.3 -111.0 11.1
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -24.9 -22.1 12.7
Sonstige Aufwendungen Other expenses Other expenses -0.4 -0.6 -35.0
Operatives Gruppenergebnis Business Operating Result Business Operating Result -4.8 14.9 n.a.
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes -4.8 14.9 n.a.
Finanzergebnis in € Tausend Financial result in € thousand Financial result in € thousand
Erträge Income Income P&C Life Health Income Total
in € '000 in € '000 in € '000 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021
Laufende Erträge Current income Current income 65,241 57,695 150,484 157,036 11,012 11,500 226,737 226,231
Erträge aus Zuschreibungen Income from appreciations Income from appreciations 10,206 2,633 3,261 2,194 0 0 13,468 4,826
Gewinn aus Abgang von Kapitalanlagen Gains from disposal of investments Gains from disposal of investments 8,846 13,740 30,085 26,408 15,011 23 53,942 40,171
Sonstige Erträge Other income Other income 9,945 7,805 17,217 13,849 3 22 27,166 21,677
Summe Erträge Total Income Total Income 94,239 81,873 201,047 199,487 26,026 11,545 321,312 292,905
Aufwendungen Expenses Expenses Total
in € '000 in € '000 in € '000 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021 3M 2022 3M 2021
Abschreibungen von Kapitalanlagen Depreciation of investments Depreciation of investments -12,826 -8,584 -12,286 -10,583 -1,929 -1,910 -27,041 -21,077
davon Wertminderungen von Kapitalanlagen thereof impairment of investments thereof impairment of investments -6 -18 -50 -152 -2 0 -58 -170
Währungsänderungen Exchange rate changes Exchange rate changes -1,221 -4,136 2,297 2,876 2 21 1,078 -1,238
Verluste aus Abgang von Kapitalanlagen Losses from disposal of investments Losses from disposal of investments -1,478 -752 -6,510 -1,884 -14 -7 -8,002 -2,642
Zinsaufwendungen Interest expenses Interest expenses -19,376 -17,834 -4,845 -5,404 -264 -303 -24,485 -23,542
Übrige Aufwendungen Other expenses Other expenses -46,138 -56,717 -38,747 -11,108 -29,844 -801 -114,729 -68,626
Summe Aufwendungen Total Expenses Total Expenses -81,038 -88,023 -60,092 -26,103 -32,049 -2,999 -173,178 -117,125
Summe Finanzergebnis (exkl. at equity) Total Financial Result (excl. at equity) Total Financial Result (excl. at equity) 13,201 -6,150 140,956 173,384 -6,023 8,546 148,134 175,780
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 1,121 -1,204 -1,314 -1,058 0 0 -193 -2,262
Summe Finanzergebnis (inkl. at equity) Total Financial Result (incl. at equity) Total Financial Result (incl. at equity) 14,322 -7,353 139,642 172,326 -6,023 8,546 147,942 173,518

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Wiener Versicherung Gruppe AG published this content on 17 May 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 17 May 2022 07:04:39 UTC.

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