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Earnings Document

Inhalt

Deutsch
Englisch
2
Vienna Insurance Group Finanzdaten 2022 Vienna Insurance Group Key Financials 2022 Vienna Insurance Group Key Financials 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)
2022 2021 +/- %
Verrechnete Prämien Gross premiums written Gross premiums written 12,559.2 11,002.6 14.1
Abgegrenzte Prämien Net earned premiums Net earned premiums 10,910.9 9,705.6 12.4
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 778.9 607.0 28.3
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 18.3 24.9 -26.5
Sonstige Erträge Other income Other income 185.9 165.8 12.1
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -7,912.0 -7,136.6 10.9
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -2,930.5 -2,536.8 15.5
Sonstige Aufwendungen Other expenses Other expenses -421.5 -317.9 32.6
Operatives Gruppenergebnis Business operating result Business operating result 630.0 512.0 23.0
Anpassungen Adjustments Adjustments -67.6 -0.7 >100
Ergebnis vor Steuern Result before taxes Result before taxes 562.4 511.3 10.0
Steuern Taxes Taxes -98.1 -123.3 -20.4
Periodenergebnis Result of the period Result of the period 464.3 388.0 19.7
Nicht beherrschende Anteile am Periodenergebnis Non-controlling interests in the result of the period Non-controlling interests in the result of the period 1.7 -12.3 n.a.
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 465.9 375.7 24.0

&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 12/31/22 12/31/21 +/-%
Immaterielle Vermögenswerte Intangible assets Intangible assets 2,085 1,744 19.5
Nutzungsrechte Right-of-Use assets Right-of-Use assets 179 173 3.1
Kapitalanlagen Investments Investments 32,340 34,810 -7.1
Kapitalanlagen der fonds- und indexgebundenen Lebensversicherung Investments for unit- and index-linked life insurance Investments for unit- and index-linked life insurance 7,164 8,525 -16.0
Anteile der Rückversicherer an den versicherungstechn. Rückstellungen Reinsurers' share in underwriting provisions Reinsurers' share in underwriting provisions 1,963 1,565 25.4
Forderungen Receivables Receivables 2,342 2,067 13.3
Steuerforderungen und Vorauszahlungen aus Ertragssteuern Tax receivables and advance payments out of income tax Tax receivables and advance payments out of income tax 174 135 28.7
Aktive Steuerabgrenzung Deferred tax assets Deferred tax assets 570 311 83.0
Übrige Aktiva Other assets Other assets 399 391 2.1
Zahlungsmittel und Zahlungsmitteläquivalente Cash and cash equivalents Cash and cash equivalents 2,059 2,456 -16.2
Summe Aktiva Total assets Total assets 49,274 52,178 -5.6
Eigenkapital Shareholders' equity Shareholders' equity 4,434 5,598 -20.8
davon nicht beherrschende Anteile thereof non-controlling interests thereof non-controlling interests 210 120 75.7
Nachrangige Verbindlichkeiten Subordinated liabilities Subordinated liabilities 1,746 1,461 19.5
Versicherungstechnische Rückstellungen Underwriting provisions Underwriting provisions 31,988 32,546 -1.7
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 6,903 8,189 -15.7
Nichtversicherungstechnische Rückstellungen Non-underwriting provisions Non-underwriting provisions 698 890 -21.6
Verbindlichkeiten Liabilities Liabilities 3,188 2,900 9.9
Steuerverbindlichkeiten aus Ertragssteuern Tax liabilities out of income tax Tax liabilities out of income tax 112 243 -54.2
Passive Steuerabgrenzung Deferred tax liabilities Deferred tax liabilities 77 219 -64.6
Übrige Passiva Other liabilities Other liabilities 128 131 -2.5
Summe Passiva Total liabilities and shareholders' equity Total liabilities and shareholders' equity 49,274 52,178 -5.6

&A Seite &P

GuV Segmente

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Englisch
2
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
2022 2021 +/-% 2022 2021 +/-% 2022 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 4,138.4 4,048.4 2.2 2,122.1 1,864.9 13.8 1,352.9 1,279.8 5.7
Abgegrenzte Prämien Net earned premiums Net earned premiums 3,314.8 3,242.5 2.2 1,575.1 1,399.8 12.5 1,018.4 983.0 3.6
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 556.7 580.1 -4.0 67.6 71.0 -4.8 19.5 23.9 -18.4
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 17.7 23.1 -23.3 0.0 1.1 n.a. 0.0 0.0 n.a.
Sonstige Erträge Other income Other income 20.6 27.7 -25.9 26.6 30.3 -12.2 20.2 9.6 >100
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -2,947.4 -2,919.3 1.0 -870.7 -828.8 5.1 -696.3 -671.2 3.7
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -692.4 -691.8 0.1 -535.4 -428.3 25.0 -273.9 -241.1 13.6
Sonstige Aufwendungen Other expenses Other expenses -20.5 -27.7 -25.9 -61.3 -58.3 5.1 -35.9 -33.7 6.7
Operatives Gruppenergebnis Business operating result Business operating result 249.4 234.7 6.3 201.9 186.9 8.0 51.9 70.5 -26.4
Anpassungen Adjustments Adjustments 0.0 0.0 n.a. 0.0 0.0 n.a. -0.2 -0.7 -73.2
Ergebnis vor Steuern Result before taxes Result before taxes 249.4 234.7 6.3 201.9 186.9 8.0 51.7 69.9 -25.9
Combined Ratio Combined Ratio Combined Ratio 92.4% 92.8% 91.5% 90.1% 96.1% 93.2%
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
2022 2021 +/-% 2022 2021 +/-% 2022 2021 +/-%
Gross premiums written 3,593.2 2,886.7 24.5 846.2 531.7 59.2 2,297.8 1,965.0 16.9
Net earned premiums 2,742.7 2,200.7 24.6 501.3 325.9 53.8 1,756.1 1,554.1 13.0
Financial result excl. result from shares in at equity consolidated companies 128.2 130.1 -1.5 152.5 35.6 >100 -141.1 -229.6 -38.6
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 0.0 0.0 n.a. 0.6 0.6 -10.8
Other income 56.8 53.4 6.4 43.9 29.7 47.6 20.1 16.7 20.4
Expenses for claims and insurance benefits -1,790.0 -1,504.9 18.9 -452.4 -228.9 97.6 -1,143.8 -986.0 16.0
Acquisition and administrative expenses -758.8 -572.5 32.5 -115.4 -65.7 75.6 -551.9 -536.9 2.8
Other expenses -202.4 -118.1 71.3 -76.9 -58.7 31.0 -41.2 -29.7 38.6
Business operating result 176.5 188.6 -6.4 53.0 37.9 40.0 -101.2 -210.8 -52.0
Adjustments -63.8 0.0 n.a. -3.6 0.0 n.a. 0.0 0.0 n.a.
Result before taxes 112.7 188.6 -40.2 49.4 37.9 30.5 -101.2 -210.8 -52.0
Combined Ratio 95.3% 92.3% 93.0% 94.4%
Consolidation Total Gross premiums written Gross premiums written
2022 2021 +/-% 2022 2021 +/-%
Gross premiums written -1,791.4 -1,574.0 13.8 12,559.2 11,002.6 14.1
Net earned premiums 2.4 -0.4 n.a. 10,910.9 9,705.6 12.4
Financial result excl. result from shares in at equity consolidated companies -4.6 -4.1 10.2 778.9 607.0 28.3
Result from shares in at equity consolidated companies 0.0 0.0 n.a. 18.3 24.9 -26.5
Other income -2.3 -1.7 38.0 185.9 165.8 12.1
Expenses for claims and insurance benefits -11.3 2.7 n.a. -7,912.0 -7,136.6 10.9
Acquisition and administrative expenses -2.5 -0.6 >100 -2,930.5 -2,536.8 15.5
Other expenses 16.8 8.4 >100 -421.5 -317.9 32.6
Business operating result -1.5 4.3 n.a. 630.0 512.0 23.0
Adjustments 0.0 0.0 n.a. -67.6 -0.7 >100
Result before taxes -1.5 4.3 n.a. 562.4 511.3 10.0
Combined Ratio 94.9% 94.2%

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 Q3 22 Q4 22
Verrechnete Prämien Gross premiums written Gross premiums written 836.9 1,334.1 945.6 927.3 841.4 1,371.0 1,003.7 911.8 852.0
Abgegrenzte Prämien Net earned premiums Net earned premiums 789.2 848.9 802.5 812.9 778.2 868.2 842.9 797.0 806.7
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 109.2 153.4 146.0 143.3 137.3 101.8 145.7 152.6 156.5
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 5.2
Sonstige Erträge Other income Other income 2.6 5.3 9.4 4.4 8.7 5.4 3.8 2.2 9.1
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 -686.2
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 -171.8
Sonstige Aufwendungen Other expenses Other expenses -8.5 -6.2 -7.3 -4.7 -9.4 -1.4 -5.5 -5.9 -7.7
Operatives Gruppenergebnis Business operating result Business operating result 56.1 54.4 51.5 37.8 91.1 23.0 54.1 60.4 111.9
Anpassungen Adjustments Adjustments 0.0 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 60.4 111.9
Czech Republic
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written 435.4 479.6 465.9 460.0 459.4 582.5 524.0 513.8 501.9
Österreich Austria Net earned premiums 322.3 342.4 351.9 353.0 352.5 390.7 392.5 398.6 393.3
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 7.2
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 0.0
Erweiterte CEE Extended CEE Other income 9.3 9.4 5.5 6.4 9.0 8.1 4.7 4.2 9.6
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 -170.4
Gruppenfunktionen Group Functions Acquisition and administrative expenses -97.2 -91.1 -105.3 -108.6 -123.3 -113.4 -132.3 -134.9 -154.8
Konsolidierung Consolidation Other expenses 4.9 -10.9 -4.3 -8.8 -34.3 -10.6 -9.1 -11.4 -30.2
Gesamt Total Business operating result 39.3 47.4 49.5 51.8 38.2 50.2 43.7 53.2 54.7
Adjustments 0.0 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 54.7
Poland
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written 307.2 325.3 315.4 310.6 328.5 336.6 322.5 332.2 361.7
Net earned premiums 236.9 237.7 243.0 247.8 254.6 248.9 245.2 253.6 270.6
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 7.6
Result from shares in at equity consolidated companies 0.0 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 6.8
Expenses for claims and insurance benefits -170.0 -170.3 -168.7 -173.5 -158.7 -171.4 -166.1 -175.2 -183.7
Acquisition and administrative expenses -65.4 -57.9 -55.9 -59.5 -67.8 -65.0 -63.2 -65.4 -80.5
Other expenses -21.4 -8.3 -7.9 -7.5 -10.0 -7.6 -8.7 -9.7 -10.0
Business operating result -12.3 15.7 18.1 17.4 19.4 11.3 17.3 12.4 10.9
Adjustments 0.0 0.0 0.0 0.0 -0.7 0.0 0.0 0.0 -0.2
Result before taxes -12.3 15.7 18.1 17.4 18.7 11.3 17.3 12.4 10.7
Extended CEE
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written 661.6 743.0 688.5 695.6 759.6 890.9 831.2 967.6 903.6
Net earned premiums 525.6 526.3 545.7 548.7 580.0 597.1 627.3 809.8 708.6
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 28.8
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Other income 13.8 12.3 7.1 9.2 24.9 9.1 11.8 15.5 20.4
Expenses for claims and insurance benefits -357.5 -370.5 -375.5 -391.6 -367.4 -405.3 -430.7 -524.9 -429.1
Acquisition and administrative expenses -148.1 -134.5 -140.9 -140.3 -156.8 -155.3 -161.7 -227.2 -214.7
Other expenses -36.8 -25.4 -23.6 -33.4 -35.7 -29.8 -26.4 -73.5 -72.7
Business operating result 23.5 40.9 43.0 22.6 82.2 43.8 41.8 49.6 41.3
Adjustments 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -63.8
Result before taxes 23.5 40.9 43.0 22.6 82.2 43.8 41.8 49.6 -22.5
Special Markets
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written 144.8 145.5 123.6 124.3 138.2 152.1 145.1 244.2 304.8
Net earned premiums 82.9 89.9 83.8 84.5 67.7 82.0 85.1 172.6 161.6
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 22.9 115.3
Result from shares in at equity consolidated companies 0.0 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 -80.3
Expenses for claims and insurance benefits -53.2 -76.9 -57.8 -52.7 -41.6 -56.4 -80.4 -215.9 -99.8
Acquisition and administrative expenses -12.5 -17.3 -16.6 -14.4 -17.4 -13.6 -14.1 -43.0 -44.8
Other expenses -9.6 -15.7 -8.9 -12.6 -21.5 -16.0 -8.7 -17.4 -34.8
Business operating result 2.4 11.0 11.2 8.4 7.2 8.3 11.8 15.5 17.3
Adjustments 0.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -3.6
Result before taxes 2.9 11.0 11.2 8.4 7.2 8.3 11.8 15.5 13.7
Group Functions
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written 393.5 526.8 488.1 467.1 483.1 659.6 582.8 501.9 553.6
Net earned premiums 351.9 371.0 379.7 392.5 410.9 438.1 450.2 426.2 441.7
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 -13.7
Result from shares in at equity consolidated companies 0.2 0.5 0.6 0.6 -1.1 0.2 0.2 0.1 0.1
Other income -6.3 4.8 -3.1 1.0 13.9 1.6 9.1 9.9 -0.5
Expenses for claims and insurance benefits -177.5 -230.9 -257.4 -237.6 -260.1 -295.2 -297.9 -270.2 -280.5
Acquisition and administrative expenses -142.6 -134.9 -129.0 -140.5 -132.4 -133.4 -135.7 -145.0 -137.8
Other expenses -1.9 -3.0 -7.5 6.0 -25.2 -4.8 -5.3 -1.9 -29.2
Business operating result -30.1 -42.0 -48.6 -13.4 -106.8 -12.7 -8.2 -60.3 -20.0
Adjustments 0.0 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 -20.0
Consolidation
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22
Gross premiums written -337.3 -447.5 -361.0 -366.9 -398.6 -537.8 -420.8 -384.7 -448.1
Net earned premiums 3.2 0.2 -0.4 1.0 -1.2 -2.8 3.3 -5.4 7.3
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 -0.8 -1.9
Result from shares in at equity consolidated companies 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Other income -0.2 -0.6 -0.5 -0.3 -0.2 -0.9 -0.4 -0.5 -0.5
Expenses for claims and insurance benefits -11.7 1.5 3.6 0.6 -3.1 -1.7 8.3 -8.6 -9.3
Acquisition and administrative expenses -2.5 0.8 2.7 -1.4 -2.7 4.0 -11.6 8.1 -3.1
Other expenses 12.4 -0.6 -5.3 0.9 13.4 2.1 -5.6 12.3 8.0
Business operating result 0.2 0.7 -1.2 0.2 4.7 -0.1 -7.1 5.2 0.5
Adjustments 0.0 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 0.5
Total
Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 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 3,029.3
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 2,789.9
Financial result excl. result from shares in at equity consolidated companies 106.8 175.8 175.1 171.9 84.2 148.1 167.3 163.7 299.8
Result from shares in at equity consolidated companies 1.1 -2.3 5.0 5.2 17.0 -0.2 9.1 4.2 5.2
Other income 7.9 58.4 22.3 19.3 65.7 32.8 56.7 131.7 -35.3
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 -1,859.1
Acquisition and administrative expenses -612.5 -627.6 -609.5 -626.8 -672.9 -675.3 -678.3 -769.6 -807.3
Other expenses -60.9 -70.1 -64.9 -60.1 -122.8 -68.1 -69.4 -107.4 -176.7
Business operating result 79.1 128.0 123.4 124.7 135.9 123.8 153.5 136.0 216.6
Adjustments 0.5 0.0 0.0 0.0 -0.7 0.0 0.0 0.0 -67.6
Result before taxes 79.6 128.0 123.4 124.7 135.2 123.8 153.5 136.0 149.1

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
2022 2021 2022 2021 2022 2021 2022 2021 2022 2021 2022 2021 2022 2021 2022 2021 2022 2021
Österreich Austria Austria 340.2 327.7 337.1 316.9 1,592.1 1,499.8 1,206.9 1,208.2 182.1 228.0 480.0 467.9 4,138.4 4,048.4 92.4 92.8 249.4 234.7
Tschechien Czech Republic Czech Republic 389.0 349.3 327.3 279.2 632.1 526.1 721.0 659.1 28.0 30.2 24.6 21.0 2,122.1 1,864.9 91.5 90.1 201.9 186.9
Polen Poland Poland 307.0 310.7 200.6 192.2 498.6 445.0 165.0 166.8 143.0 135.7 38.6 29.4 1,352.9 1,279.8 96.1 93.2 51.7 69.9
Erweiterte CEE Extended CEE Extended CEE 809.8 584.6 673.5 566.5 830.9 621.2 647.2 527.9 423.2 423.8 208.5 162.8 3,593.2 2,886.7 95.3 92.3 112.7 188.6
Albanien Albania Albania 33.8 31.3 2.8 2.4 8.6 8.2 - - - - 3.2 3.1 48.4 45.1 88.6 80.7 -9.2 6.1
Baltikum The Baltic The Baltic 126.8 104.7 111.5 97.6 174.0 143.4 86.2 75.8 48.5 44.7 99.1 71.5 646.2 537.6 93.4 95.8 23.9 17.7
Bosnien&Herzegowina Bosnia&Herzegovina Bosnia&Herzegovina 2.9 2.8 2.3 2.1 13.1 10.2 15.1 15.2 5.8 3.8 0.3 0.2 39.5 34.3 89.9 110.4 0.4 0.3
Bulgarien Bulgaria Bulgaria 36.0 36.4 80.8 67.3 57.6 51.5 42.5 31.4 11.8 9.8 22.7 16.9 251.5 213.3 82.9 77.0 38.5 39.3
Kroatien Croatia Croatia 19.2 18.1 10.2 8.9 47.1 41.5 25.3 26.4 58.9 58.6 7.9 6.7 168.7 160.1 96.5 93.9 0.1 17.6
Moldau Moldova Moldova 6.6 3.6 3.9 3.2 4.1 2.8 - - - - 1.0 1.0 15.6 10.6 103.6 53.9 0.8 3.7
Nordmazedonien North Macedonia North Macedonia 15.3 14.0 2.2 1.8 12.8 11.9 - - - - 1.1 0.2 31.4 27.9 98.6 63.7 -11.1 6.1
Rumänien Romania Romania 218.6 124.2 241.8 206.1 160.1 127.7 53.4 51.1 59.2 52.0 22.7 17.5 755.8 578.5 94.5 101.2 28.7 3.9
Serbien Serbia Serbia 10.2 7.2 14.6 12.9 42.3 37.7 35.2 34.3 18.2 14.8 13.1 8.2 133.6 115.0 87.7 80.3 10.0 10.3
Slowakei Slovakia Slovakia 157.6 153.5 125.5 111.9 103.6 101.2 207.8 200.9 147.5 161.0 5.8 4.2 747.9 732.7 90.8 91.4 54.4 52.6
Ukraine Ukraine Ukraine 78.6 38.7 23.0 27.2 13.7 22.2 1.8 2.2 0.0 0.1 14.0 17.5 131.0 107.8 103.7 72.6 4.9 21.4
Ungarn Hungary Hungary 104.3 50.1 54.9 25.1 193.9 62.9 179.9 90.6 73.1 79.2 17.6 15.9 623.6 323.8 103.3 101.5 -28.9 9.5
Spezialmärkte Special Markets Special Markets 90.1 40.0 88.8 47.3 334.8 270.8 199.9 88.8 83.9 50.9 48.8 34.0 846.2 531.7 93.0 94.4 49.4 37.9
Deutschland Germany Germany - - - - 140.2 136.8 80.5 81.1 33.3 24.8 - - 254.0 242.7 79.0 80.5 30.3 28.9
Georgien Georgia Georgia 3.0 1.7 11.3 7.5 19.0 11.6 - - - - 40.2 27.8 73.4 48.6 83.8 75.4 2.7 2.0
Liechtenstein Liechtenstein Liechtenstein - - - - - - 7.4 7.8 29.3 26.1 - - 36.7 33.9 - - 0.1 0.1
Türkei Türkiye Türkiye 87.1 38.2 77.5 39.8 175.6 122.4 112.0 0.0 21.3 0.0 8.6 6.1 482.1 206.5 108.6 114.2 16.3 6.9
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
2022 2021
Abgegrenzte Prämien Net earned premiums Net earned premiums 6,534.3 5,653.0
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -4,022.0 -3,475.4
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -2,004.2 -1,757.3
Sonstiges versicherungstechnisches Ergebnis Other technical result Other technical result -176.2 -89.7
Schadensatz Claims ratio Claims ratio 61.6% 61.5%
Kostensatz Cost ratio Cost ratio 33.4% 32.7%
Combined Ratio Combined Ratio Combined Ratio 94.9% 94.2%

&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 2022 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 8,103.2 6,883.5 17.7
Abgegrenzte Prämien Net earned premiums Net earned premiums 6,534.3 5,653.0 15.6
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 -34.2 -83.8 -59.2
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 15.7 22.4 -30.1
Sonstige Erträge Other income Other income 137.1 116.5 17.7
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -4,022.0 -3,475.4 15.7
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -2,004.2 -1,757.3 14.0
Sonstige Aufwendungen Other expenses Other expenses -306.6 -231.4 32.5
Operatives Gruppenergebnis Business operating result Business operating result 320.2 244.0 31.2
Anpassungen Adjustments Adjustments -49.2 -0.7 >100
Ergebnis vor Steuern Result before taxes Result before taxes 270.9 243.3 11.3
GuV P&L P&L
Leben Life Life 2022 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 3,818.8 3,534.6 8.0
Abgegrenzte Prämien Net earned premiums Net earned premiums 3,754.7 3,477.5 8.0
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 779.4 659.2 18.2
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 2.6 2.4 7.4
Sonstige Erträge Other income Other income 48.0 47.9 0.1
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -3,382.8 -3,199.1 5.7
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -828.2 -683.7 21.1
Sonstige Aufwendungen Other expenses Other expenses -112.5 -84.5 33.2
Operatives Gruppenergebnis Business Operating Result Business Operating Result 261.2 219.6 18.9
Anpassungen Adjustments Adjustments -18.4 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 242.8 219.6 10.6
GuV P&L P&L
Kranken Health Health 2022 2021 +/-%
Verrechnete Prämien Gross premiums written Gross premiums written 637.2 584.4 9.0
Abgegrenzte Prämien Net earned premiums Net earned premiums 621.8 575.2 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 33.7 31.6 6.5
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 0.7 1.4 -45.7
Aufwendungen für Versicherungsfälle Expenses for claims and insurance benefits Expenses for claims and insurance benefits -507.2 -462.0 9.8
Aufwendungen für Versicherungsabschluss und -verwaltung Acquisition and administrative expenses Acquisition and administrative expenses -98.0 -95.8 2.4
Sonstige Aufwendungen Other expenses Other expenses -2.3 -2.0 16.0
Operatives Gruppenergebnis Business Operating Result Business Operating Result 48.6 48.4 0.6
Anpassungen Adjustments Adjustments 0.0 0.0 n.a.
Ergebnis vor Steuern Result before taxes Result before taxes 48.6 48.4 0.6
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 2022 2021 2022 2021 2022 2021 2022 2021
Laufende Erträge Current income Current income 279,267 233,792 708,859 637,828 45,531 43,347 1,033,657 914,966
Erträge aus Zuschreibungen Income from appreciations Income from appreciations 8,560 9,475 2,885 6,698 0 0 11,445 16,174
Gewinn aus Abgang von Kapitalanlagen Gains from disposal of investments Gains from disposal of investments 39,871 43,929 110,567 67,158 30,990 97 181,427 111,184
Sonstige Erträge Other income Other income 57,313 44,126 73,985 72,947 1,633 123 132,932 117,196
Summe Erträge Total Income Total Income 385,011 331,323 896,297 784,631 78,154 43,567 1,359,462 1,159,520
Aufwendungen Expenses Expenses Total
in € '000 in € '000 in € '000 2022 2021 2022 2021 2022 2021 2022 2021
Abschreibungen von Kapitalanlagen Depreciation of investments Depreciation of investments -104,529 -55,677 -110,339 -40,808 -40,648 -7,798 -255,516 -104,283
davon Wertminderungen von Kapitalanlagen thereof impairment of investments thereof impairment of investments -40,693 -19,328 -66,654 -5,684 -32,621 0 -139,968 -25,012
Währungsänderungen Exchange rate changes Exchange rate changes 4,362 -5,529 103,200 -1,466 -122 -79 107,440 -7,074
Verluste aus Abgang von Kapitalanlagen Losses from disposal of investments Losses from disposal of investments -52,766 -20,332 -47,099 -15,345 -140 -55 -100,005 -35,732
Zinsaufwendungen Interest expenses Interest expenses -80,919 -78,587 -19,973 -22,708 -986 -1,256 -101,878 -102,551
Übrige Aufwendungen Other expenses Other expenses -185,328 -255,000 -42,652 -45,126 -2,575 -2,737 -230,554 -302,863
Summe Aufwendungen Total Expenses Total Expenses -419,181 -415,124 -116,863 -125,454 -44,470 -11,925 -580,514 -552,503
Summe Finanzergebnis (exkl. at equity) Total Financial Result (excl. at equity) Total Financial Result (excl. at equity) -34,170 -83,801 779,433 659,177 33,684 31,642 778,947 607,018
Ergebnis aus Anteilen an at equity bewerteten Unternehmen Result from shares in at equity consolidated companies Result from shares in at equity consolidated companies 15,674 22,438 2,613 2,434 0 0 18,287 24,872
Summe Finanzergebnis (inkl. at equity) Total Financial Result (incl. at equity) Total Financial Result (incl. at equity) -18,496 -61,363 782,046 661,611 33,684 31,642 797,234 631,890

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Disclaimer

Wiener Versicherung Gruppe AG published this content on 15 March 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 March 2023 09:07:30 UTC.

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