Key figures at a glance

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Country

Premium volume

Result before taxes

Combined ratio

Employees

in EUR ’000

in %

Number

Austria

4,138,384

249,410

92.4

4,851

Czech Republic

2,122,121

201,894

91.5

5,067

Poland

1,352,881

51,748

96.1

2,846

Extended CEE¹

3,593,244

112,713

95.3

12,017

Special Markets²

846,187

49,402

93.0

3,022

Group Functions³

2,297,825

-101,236

–

1,029

1	Extended CEE: Albania including Kosovo, Baltic states, Bosnia-Herzegovina, Bulgaria, Croatia, Hungary, Moldova, North Macedonia, Romania, Serbia, Slovakia, Ukraine.
2	Special Markets: Germany, Georgia, Liechtenstein, Türkiye.
3	Group Functions: VIG Holding, VIG Re, Wiener Re, VIG Fund, corporate IT service providers, Asset Management, Pension Funds, and intermediate holding companies.

Profit before taxes

in EUR million

Combined ratio

in per cent

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2022

2021

2020

2019

Income statement

Premiums written – gross

EUR million

12,559.2

11,002.6

10,428.5

10,399.4

Net earned premiums – retention

EUR million

10,910.9

9,705.6

9,336.6

9,317.9

Financial result incl. result from shares in at equity consolidated companies

EUR million

797.2

631.9

596.3

1,010.8

Expenses for claims and insurance benefits – retention

EUR million

-7,912.0

-7,136.6

-7,030.6

-7,262.7

Acquisition and administrative expenses

EUR million

-2,930.5

-2,536.8

-2,328.5

-2,293.2

Result before taxes

EUR million

562.4

511.3

345.9

521.6

Net result of the period after taxes and non-controlling interests

EUR million

465.9

375.7

231.5

331.3

Combined ratio

94.9

94.2

95.0

95.4

Claims ratio

61.6

61.5

62.8

63.7

Cost ratio

33.4

32.7

32.2

31.7

Balance sheet

Investments¹

EUR million

34,399.3

37,266.1

36,646.3

35,899.1

Shareholders’ equity (including non-controlling interests)

EUR million

4,434.2

5,597.9

5,285.8

5,190.7

Underwriting provisions

EUR million

31,987.9

32,546.2

32,230.1

31,886.1

Total assets

EUR million

49,274.0

52,178.2

50,428.1

50,344.9

Operating Return on Equity (Operating RoE)²

11.9

10.9

11.1

11.4

Share

Number of shares

Piece

128,000,000

Market capitalisation

EUR million

2,860.8

3,187.2

2,662.4

3,251.2

Average number of shares traded per day

Piece

~56,000

~51,000

~74,000

~65,000

Book value per share³

EUR

39.57

36.09

33.36

33.67

End-of-period price

EUR

22.350

24.900

20.800

25.400

High

EUR

26.850

27.050

26.350

25.850

Low

EUR

20.650

20.800

13.900

20.000

Share performance for the year (excluding dividends)

-10.24

19.71

-18.11

25.25

Dividend per share

EUR

1.30⁴

1.25

0.75

1.15

Dividend yield

5.82

5.02

3.61

4.53

Earnings per share⁵

EUR

3.58

2.94

1.81

2.59

Price-earnings ratio as of 31 December

6.24

8.47

11.49

9.81

Employees

Number of employees (annual average)

28,832

25,684

25,680

25,736

Calculation differences may arise when rounded amounts and percentages are summed automatically.
1	Including cash and cash equivalents.
2	Operating RoE measures the profi tability of the Group by expressing the business operating result as a ratio of the capital employed.
3	The value is calculated using shareholders’ equity before non-controlling interests, less the revaluation reserve and less hybrid capital.
4	Planned dividend.
5	The calculation of this figure considers the interest expenses for hybrid capital in 2022. The undiluted earnings per share equals the diluted earnings per share (in EUR).

Premiums by line of business

Values for 2021 in parentheses

Group Annual Report 2022

Key figures at a glance

Profit before taxes

Combined ratio

Premiums by line of business

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