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Highlights 2008 Group Report 2008 UNIQA Versicherungen AG Highlights 2008 Premium volume again exceeds previous year: ` 5,825 million (+10,4%) Flexibility Number of insurance policies further increased: Imprint 14.7 million (+12.0%) Processes Owner and publisher UNIQA grows ahead of the market in operational business UNIQA Versicherungen AG and Products Untere Donaustrasse 21 (UNIQA Tower) Eastern expansion remains on track – solid organic growth 1029 Vienna Austria Respect Market position in Romania considerably strengthened Commercial registry no.: 92933t by the acquisition of UNITA – the sixth-largest property Data processing register: 0055506 Customers insurer in the country Investor Relations and Markets UNIQA Versicherungen AG UNIQA Versicherungen UNIQA Versicherungen AG Result diminished by financial market crisis: Stefan Glinz Profit on ordinary activities `90 million Untere Donaustrasse 21 1029 Vienna Dividend: 40 cents per share Austria Tel.: (+43) 1 211 75 3773 Group Fax: (+43) 1 211 75 793773 and Profit E-mail: [email protected] Quality Staff The insurance of a Contents www.uniqagroup.com Integrity and Partners new generation 2 Forewords The UNIQA Group Austria is one of the leading insurance 4 Strategy Information groups in Central Europe. It unites Austrian identity with a Profitable International Growth UNIQA’s Group Report is published in German and English and can be European format. 10 Customers & Markets downloaded as a PDF file from the investor relations area on our Group website. A Cut Above in Service Quality Group Report 2008 Solid Values The annual reports of the UNIQA Group’s Austrian insurance companies can Under the umbrella of the publicly listed company UNIQA 14 Processes & Products also be downloaded at this address. Versicherungen AG, the Group is active in all segments of the Versatility in Satisfying the insurance business through all sales channels. UNIQA is pursu- Highest Standards The interactive online version of UNIQA’s Group Report is available at ing a strategy of consistent yield-oriented growth through 20 Group & Profit ar2008.uniqagroup.com. expansion and internationalisation. In addition to Austria, the Sound Growth Group is currently successfully active in 19 other markets of 24 Staff & Partners Concept and design Central and Eastern Europe. As we expand in Eastern and Competent, Flexible, Motivated be.public Werbung Finanzkommunikation GmbH, Vienna South Eastern Europe, UNIQA and the Raiffeisen bank group 28 Corporate Citizenship assist and compliment each other within the framework of a UNIQA exercises Social Responsibility Printed by “Preferred Partnership” and work together to open up new 30 UNIQA Shares AV+Astoria Druckzentrum GmbH, Vienna paths in the area of bank assurance. UNIQA on the Capital Market Corporate Governance Printed according to the Austrian eco-label’s guidelines Company values such as quality, respect, integrity, together- 34 Financial Section for “low-emission printed products”. ness and flexibility are core factors in the success of the UNIQA Group. The claims to innovation leadership and added value Translation for the customers form a further foundation for satisfying the Interlingua Language Services GmbH, Vienna ambitious strategic and operational goals of the Group. Group Report 2008 UNIQA Versicherungen AG Highlights 2008 Premium volume again exceeds previous year: ` 5,825 million (+10,4%) Flexibility Number of insurance policies further increased: Imprint 14.7 million (+12.0%) Processes Owner and publisher UNIQA grows ahead of the market in operational business UNIQA Versicherungen AG and Products Untere Donaustrasse 21 (UNIQA Tower) Eastern expansion remains on track – solid organic growth 1029 Vienna Austria Respect Market position in Romania considerably strengthened Commercial registry no.: 92933t by the acquisition of UNITA – the sixth-largest property Data processing register: 0055506 Customers insurer in the country Investor Relations and Markets UNIQA Versicherungen AG UNIQA Versicherungen UNIQA Versicherungen AG Result diminished by financial market crisis: Stefan Glinz Profit on ordinary activities `90 million Untere Donaustrasse 21 1029 Vienna Dividend: 40 cents per share Austria Tel.: (+43) 1 211 75 3773 Group Fax: (+43) 1 211 75 793773 and Profit E-mail: [email protected] Quality Staff The insurance of a Contents www.uniqagroup.com Integrity and Partners new generation 2 Forewords The UNIQA Group Austria is one of the leading insurance 4 Strategy Information groups in Central Europe. It unites Austrian identity with a Profitable International Growth UNIQA’s Group Report is published in German and English and can be European format. 10 Customers & Markets downloaded as a PDF file from the investor relations area on our Group website. A Cut Above in Service Quality Group Report 2008 Solid Values The annual reports of the UNIQA Group’s Austrian insurance companies can Under the umbrella of the publicly listed company UNIQA 14 Processes & Products also be downloaded at this address. Versicherungen AG, the Group is active in all segments of the Versatility in Satisfying the insurance business through all sales channels. UNIQA is pursu- Highest Standards The interactive online version of UNIQA’s Group Report is available at ing a strategy of consistent yield-oriented growth through 20 Group & Profit ar2008.uniqagroup.com. expansion and internationalisation. In addition to Austria, the Sound Growth Group is currently successfully active in 19 other markets of 24 Staff & Partners Concept and design Central and Eastern Europe. As we expand in Eastern and Competent, Flexible, Motivated be.public Werbung Finanzkommunikation GmbH, Vienna South Eastern Europe, UNIQA and the Raiffeisen bank group 28 Corporate Citizenship assist and compliment each other within the framework of a UNIQA exercises Social Responsibility Printed by “Preferred Partnership” and work together to open up new 30 UNIQA Shares AV+Astoria Druckzentrum GmbH, Vienna paths in the area of bank assurance. UNIQA on the Capital Market Corporate Governance Printed according to the Austrian eco-label’s guidelines Company values such as quality, respect, integrity, together- 34 Financial Section for “low-emission printed products”. ness and flexibility are core factors in the success of the UNIQA Group. The claims to innovation leadership and added value Translation for the customers form a further foundation for satisfying the Interlingua Language Services GmbH, Vienna ambitious strategic and operational goals of the Group. Group key figures Group Organisational Chart UNIQA Versicherungen Domestic Insurance Companies AG Service Companies UNIQA UNIQA UNIQA Raiffeisen UNIQA UNIQA Personen- Sach- Beteiligungs- Versicherung Finanz-Service Immobilien- versicherung versicherung Holding AG GmbH Service GmbH AG AG GmbH 100% 100% 100% 63.4% 100% 100% Group key figures Page 2008 2007 2006 2005 2004 Premium volume Premium Volume volume 2008 `million `million `million `million `million incl. the savings portion of premiums from unit- and index-linked life insurance incl. the savings portion ofof premiumspremiums fromfrom unit-unit- andand index-linkedindex-linked lifelife insuranceinsurance ` ` Premiums written 93 5,002 4,528 4,532 4,370 3,600 in millon in millon Savings portion of premiums from unit- and index-linked life insurance 823 748 559 360 178 FINANCE LIFE Salzburger UNIQA 948 Health insurance CALL DIRECT UNIQA Lebens- Landes- UNIQA Human Premiums written incl. the savings portion of premiums Versicherung HealthService 5,825 16.3% versicherung Versicherung Leasing GmbH Resources- from unit- and index-linked life insurance1) 5,825 5,276 5,091 4,730 3,778 AG GmbH AG AG 100% Service GmbH 2,476 Life insurance 100% 100% 5,276 100% 100% 100% 5,091 42.5% Premiums earned (net)2) 93 4,730 4,106 4,130 4,000 3,302 4,730 of which property and casualty insurance 2,214 1,858 1,716 1,628 1,394 2,401 Property and casualty insurance 41.2% of which health insurance 946 906 887 849 742 UNIQA UNIQA UNIQA of which life insurance 1,570 1,342 1,527 1,523 1,166 3,778 Software- Group Audit Real Estate AG Service GmbH GmbH Premiums earned (net) incl. the savings portion 100% of premiums from unit- and index-linked life insurance 5,504 4,801 4,629 4,311 3,431 100% 100% UNIQA Insurance benefits 96 –3,562 –3,597 –3,716 –3,777 –3,033 International Versicherungs- Operating expenses (net)3) 93, 97 –1,237 –1,056 –967 –928 –826 Holding GmbH Cost ratio (net after reinsurance) 37 22.5% 22.0% 20.9% 21.5% 24.2% 100% Cost ratio (adjusted for the change in deferred acquisition costs) 37 22.4% 22.4% 22.1% 22.6% 24.9% Combined ratio (gross before reinsurance) 39 94.2% 98.7% 95.4% 98.2% 95.8% 2004 2005 2006 2007 2008 International Insurance Companies Other Holdings Net investment income4) 48, 94 189 955 865 963 748 AUSTRIA VBV- UNIQA TU UNIQA TU na UNIQA UNIQA Hotels Vorsorge Betriebliche S.A. Zycie˙ S.A. pojištovna ’ a.s. poištovnˇa ’ a.s. Profit on ordinary activities 48 90 340 238 190 121 Liegenschafts- Holding AG Altersvorsorge Lodz (PL) Lodz (PL) Prague (CZ) Bratislava (SK) besitz AG 40.1% AG Net profit 48 67 269 175 133 102 68.5% 80.1% 100% 99.9% 99.5% 5.9% Investments5) 46, 76 21,342 21,544 21,155 19,367 16,598 Technical provisions (net)6) 46, 47, 87 19,857 19,559 19,064 17,674 15,544 Niederöster- UNIQA UNIQA UNIQA SK Medial Credo-Classic reichische Biztosító Zrt. osiguranje d.d. Osiguranje d.d. Versicherung Beteiligungs- Kiev (UA) Versicherung Shareholders’ equity 50 1,265 1,336 1,122 930 683 Budapest (HU) Zagreb (HR) Sarajevo (BiH) AG GmbH Premium volume 2008 by region Combined ratio 61% AG Prämienvolumen 2008 nach Regionen 85% 80% 99.8% 25% 29.6% Total equity incl. minority interests 50 1,459 1,532 1,330 1,134 860 incl. the savings portion of premiums from unit- and index-linked life insurance in % 13.2% in € million ` in millon Average number of employees 38, 98 13,674 10,997 10,748 9,943 9,701 164 Eastern Emerging Markets (Bulgaria, Montenegro, Insurance policies 14,699,534 13,130,215 12,533,673 11,892,828 11,739,085 Humanomed PKB- 2.8% Romania, Serbia, Ukraine) 101.9 UNIQA Asigurari Medicur UNIQA LIFE UNITA S.A.
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