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Earnings Document

Inhalt

Deutsch
Englisch
2
Vienna Insurance Group Finanzdaten 6M 2022 Vienna Insurance Group Key Financials 6M 2022 Vienna Insurance Group Key Financials 6M 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)
6M 2022 6M 2021 +/- %
Verrechnete Prämien Gross premiums written Gross premiums written 6,443.1 5,772.9 11.6
Abgegrenzte Prämien Net earned premiums Net earned premiums 5,268.6 4,822.6 9.2
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 315.5 350.9 -10.1
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 8.9 2.7 >100
Sonstige Erträge Other income Other income 89.4 80.8 10.7
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -3,914.0 -3,633.5 7.7
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -1,353.6 -1,237.1 9.4
Sonstige Aufwendungen Other expenses Other expenses -137.4 -135.0 1.8
Operatives Gruppenergebnis Business operating result Business operating result 277.3 251.4 10.3
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 277.3 251.4 10.3
Steuern Taxes Taxes -69.2 -60.7 14.1
Periodenergebnis Result of the period Result of the period 208.1 190.7 9.1
Nicht beherrschende Anteile am Periodenergebnis Non-controlling interests in the result of the period Non-controlling interests in the result of the period -5.8 -4.4 32.0
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 202.3 186.3 8.6

&A Seite &P

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 6/30/22 12/31/21 +/-%
Immaterielle Vermögenswerte Intangible assets Intangible assets 1,749 1,744 0.3
Nutzungsrechte Right-of-Use assets Right-of-Use assets 196 173 13.2
Kapitalanlagen Investments Investments 31,566 34,810 -9.3
Kapitalanlagen der fonds- und indexgebundenen Lebensversicherung Investments for unit- and index-linked life insurance Investments for unit- and index-linked life insurance 7,396 8,525 -13.2
Anteile der Rückversicherer an den versicherungstechn. Rückstellungen Reinsurers' share in underwriting provisions Reinsurers' share in underwriting provisions 1,883 1,565 20.4
Forderungen Receivables Receivables 2,271 2,067 9.9
Steuerforderungen und Vorauszahlungen aus Ertragssteuern Tax receivables and advance payments out of income tax Tax receivables and advance payments out of income tax 125 135 -7.2
Aktive Steuerabgrenzung Deferred tax assets Deferred tax assets 481 311 54.6
Übrige Aktiva Other assets Other assets 407 391 4.2
Zahlungsmittel und Zahlungsmitteläquivalente Cash and cash equivalents Cash and cash equivalents 2,844 2,456 15.8
Summe Aktiva Total assets Total assets 48,920 52,178 -6.2
Eigenkapital Shareholders' equity Shareholders' equity 4,494 5,598 -19.7
davon nicht beherrschende Anteile thereof non-controlling interests thereof non-controlling interests 113 120 -5.7
Nachrangige Verbindlichkeiten Subordinated liabilities Subordinated liabilities 1,746 1,461 19.5
Versicherungstechnische Rückstellungen Underwriting provisions Underwriting provisions 31,405 32,546 -3.5
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 7,105 8,189 -13.2
Nichtversicherungstechnische Rückstellungen Non-underwriting provisions Non-underwriting provisions 810 890 -9.0
Verbindlichkeiten Liabilities Liabilities 3,022 2,900 4.2
Steuerverbindlichkeiten aus Ertragssteuern Tax liabilities out of income tax Tax liabilities out of income tax 148 243 -39.2
Passive Steuerabgrenzung Deferred tax liabilities Deferred tax liabilities 62 219 -71.5
Übrige Passiva Other liabilities Other liabilities 127 131 -2.9
Summe Passiva Total liabilities and shareholders' equity Total liabilities and shareholders' equity 48,920 52,178 -6.2

&A Seite &P

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
6M 2022 6M 2021 +/-% 6M 2022 6M 2021 +/-% 6M 2022 6M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 2,374.6 2,279.7 4.2 1,106.4 945.6 17.0 659.0 640.7 2.9
Abgegrenzte Prämien Net earned premiums Net earned premiums 1,711.1 1,651.4 3.6 783.2 694.4 12.8 494.1 480.7 2.8
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 247.5 299.4 -17.3 46.6 39.2 18.9 7.1 16.7 -57.4
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 8.5 0.3 >100 0.0 1.3 n.a. 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 9.2 14.7 -37.3 12.8 14.9 -13.7 9.3 5.5 68.7
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -1,533.9 -1,489.4 3.0 -483.3 -441.3 9.5 -337.5 -339.0 -0.5
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -358.5 -357.1 0.4 -245.7 -196.4 25.1 -128.1 -113.8 12.6
Sonstige Aufwendungen Other expenses Other expenses -6.9 -13.5 -48.9 -19.7 -15.2 29.0 -16.3 -16.2 0.5
Operatives Gruppenergebnis Business operating result Business operating result 77.1 105.8 -27.1 93.9 96.9 -3.1 28.6 33.8 -15.3
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 77.1 105.8 -27.1 93.9 96.9 -3.1 28.6 33.8 -15.3
Combined Ratio Combined Ratio Combined Ratio 92.7% 93.7% 93.4% 91.5% 93.8% 94.4%
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
6M 2022 6M 2021 +/-% 6M 2022 6M 2021 +/-% 6M 2022 6M 2021 +/-%
Gross premiums written 1,722.1 1,431.5 20.3 297.2 269.1 10.4 1,242.3 1,014.8 22.4
Net earned premiums 1,224.4 1,072.0 14.2 167.1 173.7 -3.8 888.3 750.7 18.3
Financial result excl. result from shares in at equity consolidated companies 49.6 62.9 -21.1 14.3 16.0 -10.6 -47.9 -81.4 -41.2
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 0.0 0.0 n.a. 0.3 1.1 -69.7
Other income 20.9 19.4 7.7 27.9 25.7 8.3 10.7 1.8 >100
Expenses for claims and insurance benefits -836.0 -746.0 12.1 -136.8 -134.7 1.5 -593.1 -488.3 21.5
Acquisition and administrative expenses -317.0 -275.4 15.1 -27.6 -33.9 -18.6 -269.1 -263.9 2.0
Other expenses -56.2 -49.0 14.7 -24.7 -24.6 0.5 -10.1 -10.5 -3.4
Business operating result 85.6 83.8 2.2 20.2 22.2 -9.2 -20.9 -90.6 -76.9
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes 85.6 83.8 2.2 20.2 22.2 -9.2 -20.9 -90.6 -76.9
Combined Ratio 93.4% 94.2% 94.4% 87.7%
Consolidation Total Gross premiums written Gross premiums written
6M 2022 6M 2021 +/-% 6M 2022 6M 2021 +/-%
Gross premiums written -958.6 -808.5 18.6 6,443.1 5,772.9 11.6
Net earned premiums 0.4 -0.2 n.a. 5,268.6 4,822.6 9.2
Financial result excl. result from shares in at equity consolidated companies -1.8 -1.9 -4.1 315.5 350.9 -10.1
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 8.9 2.7 >100
Other income -1.3 -1.1 13.6 89.4 80.8 10.7
Expenses for claims and insurance benefits 6.6 5.1 28.6 -3,914.0 -3,633.5 7.7
Acquisition and administrative expenses -7.6 3.4 n.a. -1,353.6 -1,237.1 9.4
Other expenses -3.5 -5.9 -40.5 -137.4 -135.0 1.8
Business operating result -7.2 -0.5 >100 277.3 251.4 10.3
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes -7.2 -0.5 >100 277.3 251.4 10.3
Combined Ratio 94.3% 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 Q2 22
Verrechnete Prämien Gross premiums written Gross premiums written 836.9 1,334.1 945.6 927.3 841.4 1,371.0 1,003.7
Abgegrenzte Prämien Net earned premiums Net earned premiums 789.2 848.9 802.5 812.9 778.2 868.2 842.9
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 109.2 153.4 146.0 143.3 137.3 101.8 145.7
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 -2.8 3.1 3.2 19.6 -0.4 8.9
Sonstige Erträge Other income Other income 2.6 5.3 9.4 4.4 8.7 5.4 3.8
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 -781.9
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 -159.8
Sonstige Aufwendungen Other expenses Other expenses -8.5 -6.2 -7.3 -4.7 -9.4 -1.4 -5.5
Operatives Gruppenergebnis Business operating result Business operating result 56.1 54.4 51.5 37.8 91.1 23.0 54.1
Anpassungen Adjustments Adjustments 0.0 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 54.1
Czech Republic
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 435.4 479.6 465.9 460.0 459.4 582.5 524.0
Österreich Austria Net earned premiums 322.3 342.4 351.9 353.0 352.5 390.7 392.5
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 17.5
Polen Poland Result from shares in at equity consolidated companies -0.3 0.1 1.2 1.4 -1.6 0.0 0.0
Erweiterte CEE Extended CEE Other income 9.3 9.4 5.5 6.4 9.0 8.1 4.7
Spezialmärkte Special Markets Expenses for claims and insurance benefits -212.0 -223.8 -217.5 -211.3 -176.2 -253.7 -229.6
Gruppenfunktionen Group Functions Acquisition and administrative expenses -97.2 -91.1 -105.3 -108.6 -123.3 -113.4 -132.3
Konsolidierung Consolidation Other expenses 4.9 -10.9 -4.3 -8.8 -34.3 -10.6 -9.1
Gesamt Total Business operating result 39.3 47.4 49.5 51.8 38.2 50.2 43.7
Adjustments 0.0 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 43.7
Poland
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 307.2 325.3 315.4 310.6 328.5 336.6 322.5
Net earned premiums 236.9 237.7 243.0 247.8 254.6 248.9 245.2
Financial result excl. result from shares in at equity consolidated companies 7.1 10.9 5.8 7.9 -0.6 2.7 4.4
Result from shares in at equity consolidated companies 0.0 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 5.7
Expenses for claims and insurance benefits -170.0 -170.3 -168.7 -173.5 -158.7 -171.4 -166.1
Acquisition and administrative expenses -65.4 -57.9 -55.9 -59.5 -67.8 -65.0 -63.2
Other expenses -21.4 -8.3 -7.9 -7.5 -10.0 -7.6 -8.7
Business operating result -12.3 15.7 18.1 17.4 19.4 11.3 17.3
Adjustments 0.0 0.0 0.0 0.0 -0.7 0.0 0.0
Result before taxes -12.3 15.7 18.1 17.4 18.7 11.3 17.3
Extended CEE
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 661.6 743.0 688.5 695.6 759.6 890.9 831.2
Net earned premiums 525.6 526.3 545.7 548.7 580.0 597.1 627.3
Financial result excl. result from shares in at equity consolidated companies 26.4 32.6 30.3 30.0 37.2 28.1 21.6
Result from shares in at equity consolidated companies 0.0 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 11.8
Expenses for claims and insurance benefits -357.5 -370.5 -375.5 -391.6 -367.4 -405.3 -430.7
Acquisition and administrative expenses -148.1 -134.5 -140.9 -140.3 -156.8 -155.3 -161.7
Other expenses -36.8 -25.4 -23.6 -33.4 -35.7 -29.8 -26.4
Business operating result 23.5 40.9 43.0 22.6 82.2 43.8 41.8
Adjustments 0.0 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 41.8
Special Markets
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 144.8 145.5 123.6 124.3 138.2 152.1 145.1
Net earned premiums 82.9 89.9 83.8 84.5 67.7 82.0 85.1
Financial result excl. result from shares in at equity consolidated companies 6.6 7.5 8.5 7.2 12.5 6.4 7.9
Result from shares in at equity consolidated companies 0.0 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 22.0
Expenses for claims and insurance benefits -53.2 -76.9 -57.8 -52.7 -41.6 -56.4 -80.4
Acquisition and administrative expenses -12.5 -17.3 -16.6 -14.4 -17.4 -13.6 -14.1
Other expenses -9.6 -15.7 -8.9 -12.6 -21.5 -16.0 -8.7
Business operating result 2.4 11.0 11.2 8.4 7.2 8.3 11.8
Adjustments 0.4 0.0 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 11.8
Group Functions
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 393.5 526.8 488.1 467.1 483.1 659.6 582.8
Net earned premiums 351.9 371.0 379.7 392.5 410.9 438.1 450.2
Financial result excl. result from shares in at equity consolidated companies -54.0 -49.4 -32.0 -35.4 -112.8 -19.2 -28.7
Result from shares in at equity consolidated companies 0.2 0.5 0.6 0.6 -1.1 0.2 0.2
Other income -6.3 4.8 -3.1 1.0 13.9 1.6 9.1
Expenses for claims and insurance benefits -177.5 -230.9 -257.4 -237.6 -260.1 -295.2 -297.9
Acquisition and administrative expenses -142.6 -134.9 -129.0 -140.5 -132.4 -133.4 -135.7
Other expenses -1.9 -3.0 -7.5 6.0 -25.2 -4.8 -5.3
Business operating result -30.1 -42.0 -48.6 -13.4 -106.8 -12.7 -8.2
Adjustments 0.0 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 -8.2
Consolidation
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written -337.3 -447.5 -361.0 -366.9 -398.6 -537.8 -420.8
Net earned premiums 3.2 0.2 -0.4 1.0 -1.2 -2.8 3.3
Financial result excl. result from shares in at equity consolidated companies -1.0 -0.6 -1.3 -0.7 -1.5 -0.8 -1.1
Result from shares in at equity consolidated companies 0.0 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 -0.4
Expenses for claims and insurance benefits -11.7 1.5 3.6 0.6 -3.1 -1.7 8.3
Acquisition and administrative expenses -2.5 0.8 2.7 -1.4 -2.7 4.0 -11.6
Other expenses 12.4 -0.6 -5.3 0.9 13.4 2.1 -5.6
Business operating result 0.2 0.7 -1.2 0.2 4.7 -0.1 -7.1
Adjustments 0.0 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 -7.1
Total
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22
Gross premiums written 2,442.1 3,106.8 2,666.1 2,617.9 2,611.7 3,454.7 2,988.4
Net earned premiums 2,312.1 2,416.3 2,406.3 2,440.4 2,442.6 2,622.0 2,646.6
Financial result excl. result from shares in at equity consolidated companies 106.8 175.8 175.1 171.9 84.2 148.1 167.3
Result from shares in at equity consolidated companies 1.1 -2.3 5.0 5.2 17.0 -0.2 9.1
Other income 7.9 58.4 22.3 19.3 65.7 32.8 56.7
Expenses for claims and insurance benefits -1,675.4 -1,822.6 -1,810.9 -1,825.2 -1,677.9 -1,935.6 -1,978.4
Acquisition and administrative expenses -612.5 -627.6 -609.5 -626.8 -672.9 -675.3 -678.3
Other expenses -60.9 -70.1 -64.9 -60.1 -122.8 -68.1 -69.4
Business operating result 79.1 128.0 123.4 124.7 135.9 123.8 153.5
Adjustments 0.5 0.0 0.0 0.0 -0.7 0.0 0.0
Result before taxes 79.6 128.0 123.4 124.7 135.2 123.8 153.5

Länderübersicht

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Englisch
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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
6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021
Österreich Austria Austria 196.9 191.5 189.8 179.2 983.4 925.4 635.5 632.0 130.4 119.7 238.5 232.0 2,374.6 2,279.7 92.7 93.7 77.1 105.8
Tschechien Czech Republic Czech Republic 197.3 175.5 162.6 136.9 356.0 276.2 365.2 330.8 13.3 16.2 12.0 9.9 1,106.4 945.6 93.4 91.5 93.9 96.9
Polen Poland Poland 152.8 157.5 94.7 97.2 253.9 231.5 82.7 83.0 65.8 64.1 9.1 7.3 659.0 640.7 93.8 94.4 28.6 33.8
Erweiterte CEE Extended CEE Extended CEE 401.3 270.2 312.4 271.9 375.3 331.1 274.3 256.6 247.5 215.7 111.3 86.1 1,722.1 1,431.5 93.4 94.2 85.6 83.8
Albanien Albania Albania 14.5 13.7 1.3 1.1 3.8 4.1 - - - - 1.7 1.7 21.4 20.7 83.2 92.4 2.6 1.6
Baltikum The Baltic The Baltic 62.0 52.0 56.8 48.4 83.1 66.8 41.5 36.6 22.0 14.4 56.8 40.5 322.2 258.7 96.8 96.4 8.9 9.9
Bosnien&Herzegowina Bosnia&Herzegovina Bosnia&Herzegovina 1.5 1.4 1.2 1.1 6.7 5.4 7.4 7.3 2.4 1.8 0.1 0.1 19.3 17.1 107.5 113.8 0.4 0.2
Bulgarien Bulgaria Bulgaria 17.0 17.8 40.1 34.1 33.2 30.2 22.0 16.9 7.5 5.7 13.1 9.6 132.9 114.2 77.7 87.4 20.9 13.9
Kroatien Croatia Croatia 9.9 9.2 5.5 4.6 29.8 25.3 12.3 12.9 31.5 37.6 5.0 4.3 94.0 93.8 95.8 95.4 1.7 4.1
Moldau Moldova Moldova 2.7 1.6 1.8 1.5 1.7 1.5 - - - - 0.4 0.4 6.6 5.0 101.8 92.4 0.3 0.5
Nordmazedonien North Macedonia North Macedonia 7.0 6.4 1.0 0.9 7.4 7.3 - - - - 0.2 0.1 15.5 14.7 100.7 95.1 0.5 0.7
Rumänien Romania Romania 138.2 44.2 112.5 95.2 71.4 61.7 26.3 24.1 53.5 32.5 10.5 8.8 412.4 266.4 97.2 99.9 12.1 9.6
Serbien Serbia Serbia 5.2 3.1 6.9 6.0 23.8 19.1 16.2 16.0 7.2 5.8 5.5 3.6 65.0 53.7 90.4 80.2 4.4 5.1
Slowakei Slovakia Slovakia 79.4 78.0 60.7 54.4 61.1 61.6 102.2 98.1 75.8 73.3 2.6 2.0 381.8 367.5 89.5 87.8 23.1 30.0
Ukraine Ukraine Ukraine 33.4 17.4 10.2 11.8 7.6 9.7 0.9 1.0 - - 6.9 7.9 58.8 47.9 86.9 90.4 7.0 3.1
Ungarn Hungary Hungary 30.5 25.3 14.4 12.8 45.7 38.4 45.5 43.7 47.6 44.5 8.5 7.1 192.3 171.9 104.1 101.7 3.8 5.1
Spezialmärkte Special Markets Special Markets 26.8 15.7 28.0 23.9 146.6 137.3 42.4 43.4 28.3 30.0 25.1 18.9 297.2 269.1 94.4 87.7 20.2 22.2
Deutschland Germany Germany - - - - 71.2 69.4 39.2 39.3 12.6 10.6 - - 122.9 119.3 76.2 76.5 16.8 16.4
Georgien Georgia Georgia 1.2 0.8 4.5 3.4 8.9 5.4 - - - - 23.2 16.6 37.8 26.2 88.9 81.7 0.7 0.4
Liechtenstein Liechtenstein Liechtenstein - - - - - - 3.2 4.1 15.8 19.5 - - 19.0 23.6 - - -0.0 0.1
Türkei Türkiye Türkiye 25.7 14.9 23.5 20.5 66.5 62.4 - - - - 1.8 2.2 117.5 100.0 120.1 102.3 2.7 5.3
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
6M 2022 6M 2021
Abgegrenzte Prämien Net earned premiums Net earned premiums 3,114.7 2,782.9
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -1,948.5 -1,752.4
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -941.5 -853.8
Sonstiges versicherungstechnisches Ergebnis Other technical result Other technical result -47.6 -42.9
Schadensatz Claims ratio Claims ratio 62.6% 63.0%
Kostensatz Cost ratio Cost ratio 31.8% 32.2%
Combined Ratio Combined Ratio Combined Ratio 94.3% 95.2%

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Zusätzliche Informationen

Deutsch
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2
Zusätzliche Informationen (in EUR Mio.) Additional information (EUR mn) Additional information (EUR mn)
GuV P&L P&L
Schaden/Unfall P&C P&C 6M 2022 6M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 4,221.9 3,674.8 14.9
Abgegrenzte Prämien Net earned premiums Net earned premiums 3,114.7 2,782.9 11.9
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 3.8 6.1 -38.1
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 8.8 2.7 >100
Sonstige Erträge Other income Other income 57.4 45.1 27.0
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -1,948.5 -1,752.4 11.2
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -941.5 -853.8 10.3
Sonstige Aufwendungen Other expenses Other expenses -108.4 -108.3 0.1
Operatives Gruppenergebnis Business operating result Business operating result 186.2 122.4 52.1
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 186.2 122.4 52.1
GuV P&L P&L
Leben Life Life 6M 2022 6M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 1,894.5 1,800.5 5.2
Abgegrenzte Prämien Net earned premiums Net earned premiums 1,851.1 1,758.8 5.2
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 307.3 329.7 -6.8
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 0.1 0.0 >100
Sonstige Erträge Other income Other income 31.7 35.1 -9.5
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -1,715.6 -1,657.3 3.5
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -364.1 -339.4 7.3
Sonstige Aufwendungen Other expenses Other expenses -28.1 -25.7 9.2
Operatives Gruppenergebnis Business Operating Result Business Operating Result 82.5 101.1 -18.4
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 82.5 101.1 -18.4
GuV P&L P&L
Kranken Health Health 6M 2022 6M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 326.6 297.7 9.7
Abgegrenzte Prämien Net earned premiums Net earned premiums 302.7 280.9 7.8
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 4.4 15.1 -70.8
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 0.3 0.6 -40.2
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -249.9 -223.9 11.6
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -48.0 -43.9 9.4
Sonstige Aufwendungen Other expenses Other expenses -1.0 -1.0 0.5
Operatives Gruppenergebnis Business Operating Result Business Operating Result 8.7 27.9 -69.0
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 8.7 27.9 -69.0
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 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021
Laufende Erträge Current income Current income 135,293 125,167 314,154 317,665 21,394 20,954 470,840 463,786
Erträge aus Zuschreibungen Income from appreciations Income from appreciations 1,282 4,868 1,038 2,802 0 0 2,320 7,669
Gewinn aus Abgang von Kapitalanlagen Gains from disposal of investments Gains from disposal of investments 16,438 21,715 84,033 37,364 30,892 70 131,363 59,149
Sonstige Erträge Other income Other income 23,833 15,760 34,337 33,182 53 2 58,222 48,944
Summe Erträge Total Income Total Income 176,845 167,510 433,560 391,012 52,339 21,026 662,745 579,548
Aufwendungen Expenses Expenses Total
in € '000 in € '000 in € '000 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021 6M 2022 6M 2021
Abschreibungen von Kapitalanlagen Depreciation of investments Depreciation of investments -46,632 -17,276 -59,624 -17,861 -33,163 -3,844 -139,418 -38,981
davon Wertminderungen von Kapitalanlagen thereof impairment of investments thereof impairment of investments -19,446 -348 -34,871 -1,039 -29,318 0 -83,635 -1,387
Währungsänderungen Exchange rate changes Exchange rate changes -422 5,293 2,399 -2,323 -64 -43 1,914 2,928
Verluste aus Abgang von Kapitalanlagen Losses from disposal of investments Losses from disposal of investments -10,335 -5,615 -16,279 -8,383 -24 -11 -26,637 -14,009
Zinsaufwendungen Interest expenses Interest expenses -38,719 -37,746 -9,747 -10,883 -639 -635 -49,105 -49,263
Übrige Aufwendungen Other expenses Other expenses -76,985 -106,104 -43,032 -21,858 -14,031 -1,360 -134,048 -129,322
Summe Aufwendungen Total Expenses Total Expenses -173,092 -161,447 -126,282 -61,307 -47,920 -5,892 -347,294 -228,646
Summe Finanzergebnis (exkl. at equity) Total Financial Result (excl. at equity) Total Financial Result (excl. at equity) 3,753 6,063 307,278 329,705 4,419 15,133 315,450 350,901
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 8,800 2,689 72 9 0 0 8,872 2,698
Summe Finanzergebnis (inkl. at equity) Total Financial Result (incl. at equity) Total Financial Result (incl. at equity) 12,554 8,752 307,350 329,714 4,419 15,133 324,323 353,599

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Wiener Versicherung Gruppe AG published this content on 18 August 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 August 2022 06:55:55 UTC.

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