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Earnings Document

Inhalt

Deutsch
Englisch
2
Vienna Insurance Group Finanzdaten 9M 2022 Vienna Insurance Group Key Financials 9M 2022 Vienna Insurance Group Key Financials 9M 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)
9M 2022 9M 2021 +/- %
Verrechnete Prämien Gross premiums written Gross premiums written 9,529.9 8,390.8 13.6
Abgegrenzte Prämien Net earned premiums Net earned premiums 8,121.0 7,263.0 11.8
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 479.2 522.8 -8.4
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 13.0 7.9 64.9
Sonstige Erträge Other income Other income 221.1 100.1 >100
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -6,053.0 -5,458.7 10.9
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -2,123.2 -1,863.9 13.9
Sonstige Aufwendungen Other expenses Other expenses -244.8 -195.1 25.5
Operatives Gruppenergebnis Business operating result Business operating result 413.4 376.1 9.9
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 413.4 376.1 9.9
Steuern Taxes Taxes -101.4 -94.6 7.3
Periodenergebnis Result of the period Result of the period 311.9 281.5 10.8
Nicht beherrschende Anteile am Periodenergebnis Non-controlling interests in the result of the period Non-controlling interests in the result of the period -9.5 -6.9 38.0
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 302.4 274.6 10.1

&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 9/30/22 12/31/21 +/-%
Immaterielle Vermögenswerte Intangible assets Intangible assets 2,099 1,744 20.3
Nutzungsrechte Right-of-Use assets Right-of-Use assets 194 173 11.7
Kapitalanlagen Investments Investments 31,710 34,810 -8.9
Kapitalanlagen der fonds- und indexgebundenen Lebensversicherung Investments for unit- and index-linked life insurance Investments for unit- and index-linked life insurance 7,154 8,525 -16.1
Anteile der Rückversicherer an den versicherungstechn. Rückstellungen Reinsurers' share in underwriting provisions Reinsurers' share in underwriting provisions 2,221 1,565 41.9
Forderungen Receivables Receivables 2,173 2,067 5.1
Steuerforderungen und Vorauszahlungen aus Ertragssteuern Tax receivables and advance payments out of income tax Tax receivables and advance payments out of income tax 163 135 20.6
Aktive Steuerabgrenzung Deferred tax assets Deferred tax assets 547 311 75.5
Übrige Aktiva Other assets Other assets 386 391 -1.2
Zahlungsmittel und Zahlungsmitteläquivalente Cash and cash equivalents Cash and cash equivalents 2,401 2,456 -2.3
Summe Aktiva Total assets Total assets 49,046 52,178 -6.0
Eigenkapital Shareholders' equity Shareholders' equity 4,280 5,598 -23.5
davon nicht beherrschende Anteile thereof non-controlling interests thereof non-controlling interests 185 120 54.3
Nachrangige Verbindlichkeiten Subordinated liabilities Subordinated liabilities 1,746 1,461 19.5
Versicherungstechnische Rückstellungen Underwriting provisions Underwriting provisions 31,929 32,546 -1.9
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 6,823 8,189 -16.7
Nichtversicherungstechnische Rückstellungen Non-underwriting provisions Non-underwriting provisions 828 890 -7.0
Verbindlichkeiten Liabilities Liabilities 3,092 2,900 6.6
Steuerverbindlichkeiten aus Ertragssteuern Tax liabilities out of income tax Tax liabilities out of income tax 152 243 -37.4
Passive Steuerabgrenzung Deferred tax liabilities Deferred tax liabilities 65 219 -70.1
Übrige Passiva Other liabilities Other liabilities 131 131 -0.2
Summe Passiva Total liabilities and shareholders' equity Total liabilities and shareholders' equity 49,046 52,178 -6.0

&A Seite &P

GuV Segmente

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Englisch
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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
9M 2022 9M 2021 +/-% 9M 2022 9M 2021 +/-% 9M 2022 9M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 3,286.4 3,207.0 2.5 1,620.2 1,405.5 15.3 991.2 951.3 4.2
Abgegrenzte Prämien Net earned premiums Net earned premiums 2,508.1 2,464.3 1.8 1,181.8 1,047.4 12.8 747.8 728.5 2.6
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 400.1 442.8 -9.6 60.4 58.8 2.6 12.0 24.6 -51.3
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 12.6 3.5 >100 0.0 2.7 n.a. 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 11.4 19.1 -40.2 17.0 21.3 -20.1 13.4 7.7 74.9
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -2,261.2 -2,248.5 0.6 -700.3 -652.6 7.3 -512.7 -512.6 0.0
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -520.7 -519.3 0.3 -380.6 -304.9 24.8 -193.5 -173.3 11.7
Sonstige Aufwendungen Other expenses Other expenses -12.8 -18.2 -29.9 -31.1 -24.0 29.3 -25.9 -23.7 9.5
Operatives Gruppenergebnis Business operating result Business operating result 137.5 143.6 -4.2 147.2 148.7 -1.0 41.0 51.2 -19.8
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 137.5 143.6 -4.2 147.2 148.7 -1.0 41.0 51.2 -19.8
Combined Ratio Combined Ratio Combined Ratio 94.3% 95.0% -0.6% 92.8% 89.3% 3.5% 94.7% 94.5% 0.2%
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
9M 2022 9M 2021 +/-% 9M 2022 9M 2021 +/-% 9M 2022 9M 2021 +/-%
Gross premiums written 2,689.7 2,127.1 26.4 541.4 393.4 37.6 1,744.3 1,481.9 17.7
Net earned premiums 2,034.2 1,620.7 25.5 339.7 258.2 31.6 1,314.5 1,143.2 15.0
Financial result excl. result from shares in at equity consolidated companies 99.4 92.9 7.1 37.2 23.2 60.6 -127.3 -116.8 9.0
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 0.0 0.0 n.a. 0.5 1.7 -72.1
Other income 36.4 28.6 27.3 124.2 22.2 >100 20.5 2.8 >100
Expenses for claims and insurance benefits -1,360.9 -1,137.6 19.6 -352.7 -187.4 88.2 -863.3 -725.9 18.9
Acquisition and administrative expenses -544.2 -415.7 30.9 -70.6 -48.3 46.3 -414.1 -404.5 2.4
Other expenses -129.7 -82.4 57.5 -42.1 -37.2 13.1 -12.0 -4.5 >100
Business operating result 135.2 106.4 27.1 35.7 30.6 16.4 -81.2 -104.0 -21.9
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes 135.2 106.4 27.1 35.7 30.6 16.4 -81.2 -104.0 -21.9
Combined Ratio 94.7% 95.2% -0.5% 93.5% 89.3% 4.1%
Consolidation Total Gross premiums written Gross premiums written
9M 2022 9M 2021 +/-% 9M 2022 9M 2021 +/-%
Gross premiums written -1,343.3 -1,175.5 14.3 9,529.9 8,390.8 13.6
Net earned premiums -5.0 0.8 n.a. 8,121.0 7,263.0 11.8
Financial result excl. result from shares in at equity consolidated companies -2.6 -2.6 1.6 479.2 522.8 -8.4
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 13.0 7.9 64.9
Other income -1.8 -1.4 21.4 221.1 100.1 >100
Expenses for claims and insurance benefits -2.0 5.8 n.a. -6,053.0 -5,458.7 10.9
Acquisition and administrative expenses 0.5 2.1 -74.1 -2,123.2 -1,863.9 13.9
Other expenses 8.8 -5.0 >100 -244.8 -195.1 25.5
Business operating result -2.0 -0.3 >100 413.4 376.1 9.9
Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a.
Result before taxes -2.0 -0.3 >100 413.4 376.1 9.9
Combined Ratio 95.1% 95.2% -0.1%

Segmentbericht Länder Seite &P

Quartale GuV Segmente

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English
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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 Q3 22
Verrechnete Prämien Gross premiums written Gross premiums written 836.9 1,334.1 945.6 927.3 841.4 1,371.0 1,003.7 911.8
Abgegrenzte Prämien Net earned premiums Net earned premiums 789.2 848.9 802.5 812.9 778.2 868.2 842.9 797.0
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 109.2 153.4 146.0 143.3 137.3 101.8 145.7 152.6
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 4.0
Sonstige Erträge Other income Other income 2.6 5.3 9.4 4.4 8.7 5.4 3.8 2.2
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 -727.4
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 -162.2
Sonstige Aufwendungen Other expenses Other expenses -8.5 -6.2 -7.3 -4.7 -9.4 -1.4 -5.5 -5.9
Operatives Gruppenergebnis Business operating result Business operating result 56.1 54.4 51.5 37.8 91.1 23.0 54.1 60.4
Anpassungen Adjustments Adjustments 0.0 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 60.4
Czech Republic
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written 435.4 479.6 465.9 460.0 459.4 582.5 524.0 513.8
Österreich Austria Net earned premiums 322.3 342.4 351.9 353.0 352.5 390.7 392.5 398.6
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 13.7
Polen Poland Result from shares in at equity consolidated companies -0.3 0.1 1.2 1.4 -1.6 0.0 0.0 0.0
Erweiterte CEE Extended CEE Other income 9.3 9.4 5.5 6.4 9.0 8.1 4.7 4.2
Spezialmärkte Special Markets Expenses for claims and insurance benefits -212.0 -223.8 -217.5 -211.3 -176.2 -253.7 -229.6 -217.0
Gruppenfunktionen Group Functions Acquisition and administrative expenses -97.2 -91.1 -105.3 -108.6 -123.3 -113.4 -132.3 -134.9
Konsolidierung Consolidation Other expenses 4.9 -10.9 -4.3 -8.8 -34.3 -10.6 -9.1 -11.4
Gesamt Total Business operating result 39.3 47.4 49.5 51.8 38.2 50.2 43.7 53.2
Adjustments 0.0 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 53.2
Poland
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written 307.2 325.3 315.4 310.6 328.5 336.6 322.5 332.2
Net earned premiums 236.9 237.7 243.0 247.8 254.6 248.9 245.2 253.6
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 4.9
Result from shares in at equity consolidated companies 0.0 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 4.1
Expenses for claims and insurance benefits -170.0 -170.3 -168.7 -173.5 -158.7 -171.4 -166.1 -175.2
Acquisition and administrative expenses -65.4 -57.9 -55.9 -59.5 -67.8 -65.0 -63.2 -65.4
Other expenses -21.4 -8.3 -7.9 -7.5 -10.0 -7.6 -8.7 -9.7
Business operating result -12.3 15.7 18.1 17.4 19.4 11.3 17.3 12.4
Adjustments 0.0 0.0 0.0 0.0 -0.7 0.0 0.0 0.0
Result before taxes -12.3 15.7 18.1 17.4 18.7 11.3 17.3 12.4
Extended CEE
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written 661.6 743.0 688.5 695.6 759.6 890.9 831.2 967.6
Net earned premiums 525.6 526.3 545.7 548.7 580.0 597.1 627.3 809.8
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 49.8
Result from shares in at equity consolidated companies 0.0 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 15.5
Expenses for claims and insurance benefits -357.5 -370.5 -375.5 -391.6 -367.4 -405.3 -430.7 -524.9
Acquisition and administrative expenses -148.1 -134.5 -140.9 -140.3 -156.8 -155.3 -161.7 -227.2
Other expenses -36.8 -25.4 -23.6 -33.4 -35.7 -29.8 -26.4 -73.5
Business operating result 23.5 40.9 43.0 22.6 82.2 43.8 41.8 49.6
Adjustments 0.0 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 49.6
Special Markets
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written 144.8 145.5 123.6 124.3 138.2 152.1 145.1 244.2
Net earned premiums 82.9 89.9 83.8 84.5 67.7 82.0 85.1 172.6
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 22.9
Result from shares in at equity consolidated companies 0.0 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 96.3
Expenses for claims and insurance benefits -53.2 -76.9 -57.8 -52.7 -41.6 -56.4 -80.4 -215.9
Acquisition and administrative expenses -12.5 -17.3 -16.6 -14.4 -17.4 -13.6 -14.1 -43.0
Other expenses -9.6 -15.7 -8.9 -12.6 -21.5 -16.0 -8.7 -17.4
Business operating result 2.4 11.0 11.2 8.4 7.2 8.3 11.8 15.5
Adjustments 0.4 0.0 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 15.5
Group Functions
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written 393.5 526.8 488.1 467.1 483.1 659.6 582.8 501.9
Net earned premiums 351.9 371.0 379.7 392.5 410.9 438.1 450.2 426.2
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 -79.4
Result from shares in at equity consolidated companies 0.2 0.5 0.6 0.6 -1.1 0.2 0.2 0.1
Other income -6.3 4.8 -3.1 1.0 13.9 1.6 9.1 9.9
Expenses for claims and insurance benefits -177.5 -230.9 -257.4 -237.6 -260.1 -295.2 -297.9 -270.2
Acquisition and administrative expenses -142.6 -134.9 -129.0 -140.5 -132.4 -133.4 -135.7 -145.0
Other expenses -1.9 -3.0 -7.5 6.0 -25.2 -4.8 -5.3 -1.9
Business operating result -30.1 -42.0 -48.6 -13.4 -106.8 -12.7 -8.2 -60.3
Adjustments 0.0 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 -60.3
Consolidation
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22
Gross premiums written -337.3 -447.5 -361.0 -366.9 -398.6 -537.8 -420.8 -384.7
Net earned premiums 3.2 0.2 -0.4 1.0 -1.2 -2.8 3.3 -5.4
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 -0.8
Result from shares in at equity consolidated companies 0.0 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 -0.5
Expenses for claims and insurance benefits -11.7 1.5 3.6 0.6 -3.1 -1.7 8.3 -8.6
Acquisition and administrative expenses -2.5 0.8 2.7 -1.4 -2.7 4.0 -11.6 8.1
Other expenses 12.4 -0.6 -5.3 0.9 13.4 2.1 -5.6 12.3
Business operating result 0.2 0.7 -1.2 0.2 4.7 -0.1 -7.1 5.2
Adjustments 0.0 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 5.2
Total
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 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 3,086.8
Net earned premiums 2,312.1 2,416.3 2,406.3 2,440.4 2,442.6 2,622.0 2,646.6 2,852.4
Financial result excl. result from shares in at equity consolidated companies 106.8 175.8 175.1 171.9 84.2 148.1 167.3 163.7
Result from shares in at equity consolidated companies 1.1 -2.3 5.0 5.2 17.0 -0.2 9.1 4.2
Other income 7.9 58.4 22.3 19.3 65.7 32.8 56.7 131.7
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 -2,139.0
Acquisition and administrative expenses -612.5 -627.6 -609.5 -626.8 -672.9 -675.3 -678.3 -769.6
Other expenses -60.9 -70.1 -64.9 -60.1 -122.8 -68.1 -69.4 -107.4
Business operating result 79.1 128.0 123.4 124.7 135.9 123.8 153.5 136.0
Adjustments 0.5 0.0 0.0 0.0 -0.7 0.0 0.0 0.0
Result before taxes 79.6 128.0 123.4 124.7 135.2 123.8 153.5 136.0

Länderübersicht

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Englisch
2
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
9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021
Österreich Austria Austria 272.3 264.4 265.2 250.3 1,319.1 1,249.8 911.8 911.0 161.8 184.2 356.2 347.4 3,286.4 3,207.0 94.3 95.0 137.5 143.6
Tschechien Czech Republic Czech Republic 293.3 263.3 243.7 207.4 499.7 398.6 544.8 497.7 20.4 23.0 18.3 15.4 1,620.2 1,405.5 92.8 89.3 147.2 148.7
Polen Poland Poland 230.6 234.8 145.2 143.6 375.7 337.9 122.9 124.2 100.5 97.6 16.3 13.1 991.2 951.3 94.7 94.5 41.0 51.2
Erweiterte CEE Extended CEE Extended CEE 613.2 414.4 495.8 418.1 608.8 468.9 468.8 385.6 343.7 317.6 159.3 122.5 2,689.7 2,127.1 94.7 95.2 135.2 106.4
Albanien Albania Albania 24.8 22.9 2.1 1.8 5.5 5.7 0.0 0.0 0.0 0.0 2.5 2.3 34.9 32.7 83.7 91.2 4.2 2.6
Baltikum The Baltic The Baltic 95.2 79.0 84.4 72.6 120.5 98.5 63.0 55.3 34.0 26.5 80.1 55.8 477.1 387.6 95.6 96.5 12.5 14.1
Bosnien&Herzegowina Bosnia&Herzegovina Bosnia&Herzegovina 2.3 2.1 1.8 1.7 10.4 8.4 11.0 11.0 4.2 2.8 0.2 0.2 29.9 26.1 106.9 109.3 0.5 0.3
Bulgarien Bulgaria Bulgaria 26.5 28.5 60.2 50.9 45.6 41.7 30.4 23.6 9.5 8.4 17.1 12.8 189.5 165.8 79.7 90.7 29.9 18.6
Kroatien Croatia Croatia 14.4 13.8 7.8 6.7 38.8 34.2 18.3 19.1 54.4 47.1 6.3 5.3 140.0 126.3 95.8 94.7 0.5 5.7
Moldau Moldova Moldova 4.7 2.7 2.9 2.3 2.8 2.2 0.0 0.0 0.0 0.0 0.9 0.8 11.3 8.0 99.1 96.1 0.6 0.5
Nordmazedonien North Macedonia North Macedonia 11.6 10.6 1.7 1.4 9.7 9.7 0.0 0.0 0.0 0.0 0.8 0.1 23.7 21.9 98.4 95.1 1.1 1.1
Rumänien Romania Romania 174.0 69.6 176.8 151.4 105.6 91.1 39.5 37.1 57.9 48.8 17.1 13.6 570.9 411.5 96.7 102.4 20.4 1.9
Serbien Serbia Serbia 7.7 4.9 10.5 9.2 33.5 28.7 24.9 24.0 10.3 9.0 8.4 5.7 95.3 81.6 90.4 80.4 6.9 8.0
Slowakei Slovakia Slovakia 117.2 114.7 91.8 82.1 82.8 82.0 155.1 148.2 109.9 118.4 4.0 3.2 560.8 548.6 89.5 87.6 39.2 42.4
Ukraine Ukraine Ukraine 58.5 28.3 15.9 19.0 11.0 15.1 1.3 1.6 0.0 0.0 9.9 12.3 96.6 76.2 95.0 91.9 9.4 4.4
Ungarn Hungary Hungary 76.4 37.2 40.1 19.0 142.6 51.6 125.3 65.8 63.4 56.7 12.1 10.5 459.8 240.8 103.6 102.0 10.0 7.0
Spezialmärkte Special Markets Special Markets 47.3 27.1 49.4 36.3 222.5 199.9 130.9 65.3 55.7 39.3 35.6 25.6 541.4 393.4 93.5 89.3 35.7 30.6
Deutschland Germany Germany 0.0 0.0 0.0 0.0 104.9 102.4 58.8 59.3 23.7 15.8 0.0 0.0 187.4 177.5 77.4 80.2 24.4 21.9
Georgien Georgia Georgia 2.1 1.2 8.0 5.4 13.1 8.1 0.0 0.0 0.0 0.0 32.0 22.2 55.3 37.0 87.4 89.6 1.6 0.5
Liechtenstein Liechtenstein Liechtenstein 0.0 0.0 0.0 0.0 0.0 0.0 5.2 6.0 18.1 23.5 0.0 0.0 23.3 29.5 - - -0.7 -0.0
Türkei Türkiye Türkiye 45.2 25.8 41.4 30.9 104.5 89.4 66.8 0.0 13.9 0.0 3.6 3.4 275.4 149.5 113.2 100.1 10.4 8.2
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

Deutsch
Englisch
2
Combined Ratio Combined Ratio Combined Ratio
9M 2022 9M 2021
Abgegrenzte Prämien Net earned premiums Net earned premiums 4,842.0 4,221.8
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -3,032.3 -2,667.3
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -1,463.6 -1,286.2
Sonstiges versicherungstechnisches Ergebnis Other technical result Other technical result -108.4 -66.6
Schadensatz Claims ratio Claims ratio 62.6% 63.2%
Kostensatz Cost ratio Cost ratio 32.5% 32.0%
Combined Ratio Combined Ratio Combined Ratio 95.1% 95.2%

&A Seite &P

Zusätzliche Informationen

Deutsch
Englisch
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 9M 2022 9M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 6,175.6 5,295.5 16.6
Abgegrenzte Prämien Net earned premiums Net earned premiums 4,842.0 4,221.8 14.7
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 -39.2 3.6 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 11.7 6.8 71.8
Sonstige Erträge Other income Other income 90.1 62.7 43.7
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -3,032.3 -2,667.3 13.7
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -1,463.6 -1,286.2 13.8
Sonstige Aufwendungen Other expenses Other expenses -185.9 -149.6 24.3
Operatives Gruppenergebnis Business operating result Business operating result 222.8 191.9 16.1
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 222.8 191.9 16.1
GuV P&L P&L
Leben Life Life 9M 2022 9M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 2,875.1 2,658.2 8.2
Abgegrenzte Prämien Net earned premiums Net earned premiums 2,827.8 2,616.1 8.1
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 503.8 495.1 1.8
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 1.1 22.4
Sonstige Erträge Other income Other income 130.7 36.6 >100
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -2,643.8 -2,451.7 7.8
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -587.3 -511.0 14.9
Sonstige Aufwendungen Other expenses Other expenses -57.6 -44.1 30.8
Operatives Gruppenergebnis Business Operating Result Business Operating Result 175.0 142.1 23.1
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 175.0 142.1 23.1
GuV P&L P&L
Kranken Health Health 9M 2022 9M 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 479.2 437.1 9.6
Abgegrenzte Prämien Net earned premiums Net earned premiums 451.1 425.1 6.1
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 14.5 24.1 -39.9
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 0.4 0.8 -53.2
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -376.8 -339.7 10.9
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -72.3 -66.7 8.5
Sonstige Aufwendungen Other expenses Other expenses -1.3 -1.5 -11.9
Operatives Gruppenergebnis Business Operating Result Business Operating Result 15.6 42.1 -63.1
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 15.6 42.1 -63.1
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 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021
Laufende Erträge Current income Current income 206,397 183,444 521,096 474,029 33,078 32,771 760,571 690,244
Erträge aus Zuschreibungen Income from appreciations Income from appreciations 3,888 3,699 2,312 3,302 0 0 6,200 7,001
Gewinn aus Abgang von Kapitalanlagen Gains from disposal of investments Gains from disposal of investments 25,592 33,878 92,685 54,800 30,990 82 149,267 88,760
Sonstige Erträge Other income Other income 43,764 22,803 53,155 52,067 1,566 115 98,484 74,986
Summe Erträge Total Income Total Income 279,640 243,825 669,247 584,198 65,634 32,968 1,014,521 860,991
Aufwendungen Expenses Expenses Total
in € '000 in € '000 in € '000 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021 9M 2022 9M 2021
Abschreibungen von Kapitalanlagen Depreciation of investments Depreciation of investments -79,296 -27,130 -85,621 -27,263 -35,470 -5,814 -200,388 -60,208
davon Wertminderungen von Kapitalanlagen thereof impairment of investments thereof impairment of investments -39,391 -2,021 -50,918 -1,075 -29,672 0 -119,982 -3,096
Währungsänderungen Exchange rate changes Exchange rate changes -2,810 690 8,759 -1,247 -107 -65 5,842 -622
Verluste aus Abgang von Kapitalanlagen Losses from disposal of investments Losses from disposal of investments -21,563 -9,436 -20,636 -11,194 -59 -25 -42,258 -20,654
Zinsaufwendungen Interest expenses Interest expenses -60,463 -58,554 -14,695 -16,450 -845 -962 -76,003 -75,965
Übrige Aufwendungen Other expenses Other expenses -154,690 -145,795 -53,212 -32,915 -14,661 -2,000 -222,562 -180,710
Summe Aufwendungen Total Expenses Total Expenses -318,822 -240,224 -165,404 -89,069 -51,143 -8,865 -535,369 -338,158
Summe Finanzergebnis (exkl. at equity) Total Financial Result (excl. at equity) Total Financial Result (excl. at equity) -39,182 3,600 503,843 495,130 14,492 24,103 479,153 522,833
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 11,697 6,810 1,344 1,098 0 0 13,040 7,907
Summe Finanzergebnis (inkl. at equity) Total Financial Result (incl. at equity) Total Financial Result (incl. at equity) -27,485 10,410 505,186 496,227 14,492 24,103 492,193 530,740

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Disclaimer

Wiener Versicherung Gruppe AG published this content on 15 November 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 November 2022 08:25:50 UTC.

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