UNIQA Insurance Group AG · VIE:UQA
UNIQA Insurance — H1 2013 Earnings Presentation
36 slides from UNIQA Insurance's earnings presentation, Aug 27, 2013
Slide 1: UNIQA Insurance Group AG H1 2013 IFRS Results
rkfn^=fåëìê~åÅÉ=dêçìé=^d Ne=OMNP=fcop=oÉëìäíë píêçåÖ=åÉí=éêçÑáí=çå=áãéêçîÉÇ=ìåÇÉêïêáíáåÖ OT=^ìÖìëí=OMNP ^åÇêÉ~ë=_ê~åÇëíÉííÉêI=`bl e~ååÉë=_çÖåÉêI=`cl hìêí=pîçÄçÇ~I=`ol
Slide 2: Agenda
^ÖÉåÇ~ NK eáÖÜäáÖÜíë=Ne=OMNP OK _ìëáåÉëë=éÉêÑçêã~åÅÉ PK fåîÉëíãÉåíë QK `çåÅäìëáçå=~åÇ=çìíäççâ ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ N
Slide 3: Executive summary
bñÉÅìíáîÉ=ëìãã~êó √ dtm=áåÅêÉ~ëÉÇ=Äó=TKQB=óçó=íç=€PIMSUãE~F ÇìÉ=íç=ëáÖåáÑáÅ~åí=ÖêçïíÜ=áå=^ìëíêá~I=`bb=~åÇ=fí~äó √ `çãÄáåÉÇ=ê~íáç=EmC`F=áãéêçîÉÇ=íç=VVKQB=ENeOMNOW=NMMKTBF=ÇÉëéáíÉ=åÉí=áãé~Åí=çÑ=ÑäççÇ=çÑ= €PMã=çê=OKRB=áå=íÜÉ=`lo √ kÉí=Åçëí=ê~íáç=ÇÉÅêÉ~ëÉÇ=íç=OPKMB=ENe=OMNOW=OPKVBF √ fåîÉëíãÉåí=êÉëìäí=ç
Slide 4: Solid operating profit on robust growth
pçäáÇ=çéÉê~íáåÖ=éêçÑáí=çå=êçÄìëí=ÖêçïíÜ €ã Ne=OMNP Ne=OMNO B dêçëë=éêÉãáìãë=ïêáííÉåE~F PIMSUKN OIURSKQ TKQB mêÉãáìãë=É~êåÉÇ EêÉí~áåÉÇFE~F OIUOQKV OIRVMKM VKNB ^mb=EiáÑÉF=Öêçëë UVNKQ UMNKM NNKPB kÉí=áåîÉëíãÉåí=áåÅçãÉ QMUKV QMPKQ NKPB fåëìê~åÅÉ=ÄÉåÉÑáíë EOIMMUKVF ENIUVTKPF RKVB léÉê~íáåÖ=ÉñéÉåëÉë ETP
Slide 5: A clear long-term strategy
^=ÅäÉ~ê=äçåÖJíÉêã=ëíê~íÉÖó lìê=í~êÖÉí=OMNR= lìê=äçåÖJíÉêã=~ãÄáíáçå EÉãÄÉÇÇÉÇ=áå=rkfn^=OKMF cçÅìë=çå=çìê=ÄìëáåÉëë=~ë=éêáã~êó=áåëìêÉê=áå=çìê=íïç=ÅçêÉ= ã~êâÉíë=^ìëíêá~=~åÇ=`bb rkfn^=^ìëíêá~ fåÅêÉ~ëÉ=éêçÑáí~Äáäáíó=íÜêçìÖÜ=êÉëíêìÅíìêáåÖ iÉ~ÇáåÖ=éêáã~êó=áåëìêÉê=áå=^ìëíêá~=~åÇ=`bbI=ïáíÜ= ëáÖåáÑáÅ~åíäó=áãéê
Slide 6: UNIQA 2.0: what have we achieved since mid-2011
rkfn^=OKMW=ïÜ~í=Ü~îÉ=ïÉ=~ÅÜáÉîÉÇ=ëáåÅÉ=ãáÇJOMNN páåÅÉ=íÜÉ=ëí~êí=çÑ=rkfn^=OKM=ïÉ=Ü~îÉ=ÇÉäáîÉêÉÇ=çå=çìê=éêçãáëÉë aÉîÉäçéãÉåí=çÑ=éêçÑáí=çå=çêÇáå~êó=~ÅíáîáíáÉë=E€ãF açìÄäÉ= √ tÉ=~áã=íç=ê~áëÉ=çìê=åìãÄÉê=çÑ=ÅìëíçãÉêë=íç=NRã=Äó= åìãÄÉê=çÑ= OMOM=EÑêçã=TKRã=áå=OMNMF ÅäáÉåíë √ VKMã=ÅìëíçãÉêë=éÉê=Ne=OMNP √ `çå
Slide 7: Agenda
^ÖÉåÇ~ NK eáÖÜäáÖÜíë=Ne=OMNP OK _ìëáåÉëë=éÉêÑçêã~åÅÉ PK fåîÉëíãÉåíë QK `çåÅäìëáçå=~åÇ=çìíäççâ ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ S
Slide 8: Financial snapshot H1 2013
cáå~åÅá~ä=ëå~éëÜçí=Ó Ne=OMNP dtmE~F E€ãF `çãÄáåÉÇ=ê~íáç=EåÉíF=EBF EPKSFééí ENKPFééí SIOOQ HMKOB NMQKS NMQKV NMNKP NMMKT VVKQ RIRPQ RIRQP NIMUQ POKV SMN RPP PSKV POKV PPKO PNKV HTKQB OIURS PIMSU RINQM OTP POR QIVPP RIMNM TNKT SUKM SUKQ STKR STKR OIRUP OITQP EÄF EÄF OMNM OMNN OMNO Ne=OMNO Ne=OMNP OMNM
Slide 9: Robust growth across all business lines
oçÄìëí=ÖêçïíÜ=~Åêçëë=~ää=ÄìëáåÉëë=äáåÉë eáÖÜäáÖÜíë=Ne=OMNP mêÉãáìãë=Äó=ÄìëáåÉëë=äáåÉ=E€ãFE~F √ qÜÉ=éêÉãáìã=îçäìãÉ=ïêáííÉå=áå=éêçéÉêíó=~åÇ=Å~ëì~äíó= HTKQB PIMSU áåëìê~åÅÉ=ÖêÉï=Äó=QKQB=óçó=ÇêáîÉå=Äó=~ää=ã~àçê=ÄìëáåÉëë= OIURS äáåÉë POR OTP √ qÜÉ=éêÉãáìã=îçäìãÉ=ïêáííÉå=áå=ÜÉ~äíÜ=áåëìê~åÅÉ= áåÅêÉ~ëÉÇ=Äó=
Slide 10: H1 2013 premiums by operating segment
^ää=íÜêÉÉ=ã~àçê=çéÉê~íáåÖ=ëÉÖãÉåíë=ÅçåíêáÄìíÉÇ= íç=íçé=äáåÉ=ÖêçïíÜ eáÖÜäáÖÜíë=Ne=OMNP Ne=OMNP=mêÉãáìãë=Äó=çéÉê~íáåÖ=ëÉÖãÉåí=E€ãFE~F √ dêçìé=éêÉãáìãë=ïêáííÉå=áåÅêÉ~ëÉÇ=Äó=TKQB=óçó √ rkfn^=^ìëíêá~ éêÉãáìãë=ïêáííÉå=áåÅêÉ~ëÉÇ=Äó=PKSB=óçó EVKTFB √ mC`=éêÉãáìãë=ïêáííÉå=áåÅêÉ~ëÉÇ=íç=€TQPã=Äó=PKSB= HNPKSB P
Slide 11: P&C: Combined ratio improved to 99.4%
mC`W=`çãÄáåÉÇ=ê~íáç=áãéêçîÉÇ=íç=VVKQB eáÖÜäáÖÜíë=Ne=OMNP mêçÑáí=çå=çêÇáå~êó=~ÅíáîáíáÉë=E€ãF √ mêÉãáìãë=É~êåÉÇ=áåÅêÉ~ëÉÇ=áå=~ää=íÜêÉÉ=çéÉê~íáåÖ= OV ëÉÖãÉåíë=rkfn^=^ìëíêá~I=o~áÑÑÉáëÉå fåëìê~åÅÉ=~åÇ=rkfn^= fåíÉêå~íáçå~ä=~åÇ=~Åêçëë=~ää=ã~àçê=ÄìëáåÉëë=äáåÉë √ aÉëéáíÉ=åÉí=áãé~Åí=çÑ=€PMã=ÇìÉ=íç=íÜÉ=ÑäççÇ=í
Slide 12: Health: Operating profit decreased on lower investment result
eÉ~äíÜW=léÉê~íáåÖ=éêçÑáí=ÇÉÅêÉ~ëÉÇ=çå=äçïÉê= áåîÉëíãÉåí=êÉëìäí eáÖÜäáÖÜíë=Ne=OMNP mêçÑáí=çå=çêÇáå~êó=~ÅíáîáíáÉë=E€ãF √ ^ää=ã~àçê=éêçÇìÅí=äáåÉë=ÅçåíêáÄìíÉÇ=íç=áåÅêÉ~ëÉ=çÑ= RN EQUKOFB éêÉãáìãë=É~êåÉÇ=Äó=PKPB=óçó= √ `ä~áãë=ê~íáç=ëäáÖÜíäó=áåÅêÉ~ëÉÇ=Äìí=ëí~óÉÇ=ïÉää=áå=äáåÉ=ïáíÜ= äçåÖÉê=íÉêã=íêÉåÇ=~í=~êçì
Slide 13: Life: Strong H1 2013 result
iáÑÉW=píêçåÖ=Ne=OMNP=êÉëìäí eáÖÜäáÖÜíë=Ne=OMNP mêçÑáí=çå=çêÇáå~êó=~ÅíáîáíáÉë=E€ãF √ mêÉãáìãë=É~êåÉÇ=áåÅêÉ~ëÉÇ=Äó=NVKTB=óçó=ÇìÉ=íç=ëíêçåÖ= NQN HNTOB ÖêçïíÜ=çÑ=iáÑÉ=ÄìëáåÉëë=áå=^qI=fqI=miI=er=~åÇ=orX=ÇçìÄäÉ= ÇáÖáí=ÖêçïíÜ=~äëç=Ä~ëÉÇ=çå=^mb= √ `çëí=ê~íáç=áãéêçîÉÇ=~ë=~=êÉëìäí=çÑ=áåÅêÉ~ëÉÇ=éêÉãáìãë= É~êåÉ
Slide 14: P&C: Segment P&L
mC`W==pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B dêçëë=éêÉãáìãë=ïêáííÉå NIQNNKS= NIPROKR= QKQB= mêÉãáìãë=É~êåÉÇ EêÉí~áåÉÇF NIOONKU= NINROKS= SKMB= fåÅçãÉ=Ñêçã ÑÉÉë=~åÇ=Åçããáëëáçåë UKO= TKN= NQKNB= kÉí áåîÉëíãÉåí=áåÅçãÉ QUKS= PRKM= PUKVB= líÜÉê áåÅçãÉ NRKO= NUKT= ENUKRFB fåëìê~åÅÉ=ÄÉåÉÑáíë EåÉíF EUOQKVF ETTTK
Slide 15: Health: Segment P&L
eÉ~äíÜW==pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B dêçëë=éêÉãáìãë=ïêáííÉå QTOKN= QRSKU= PKQB= mêÉãáìãë=É~êåÉÇ EêÉí~áåÉÇF QSRKU= QRMKV= PKPB= fåÅçãÉ=Ñêçã ÑÉÉë=~åÇ=Åçããáëëáçåë MKP= MKM= åã kÉí áåîÉëíãÉåí=áåÅçãÉ ORKV= RNKP= EQVKSFB líÜÉê áåÅçãÉ PKS= QKQ= ENSKSFB fåëìê~åÅÉ=ÄÉåÉÑáíë EåÉíF EPVOKPF EPUTKMF NKQB= l
Slide 16: Life: Segment P&L
iáÑÉW==pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B dêçëë=éêÉãáìãë=ïêáííÉå UQNKR= TNVKR= NTKMB= mêÉãáìãë=É~êåÉÇ EêÉí~áåÉÇF UMTKQ= STQKQ= NVKTB= fåÅçãÉ=Ñêçã ÑÉÉë=~åÇ=Åçããáëëáçåë SKP= NQKM= ERQKUFB kÉí áåîÉëíãÉåí=áåÅçãÉ PPQKQ= PNTKN= RKRB= líÜÉê áåÅçãÉ NMKV= QKT= NPMKNB= fåëìê~åÅÉ=ÄÉåÉÑáíë EåÉíF ETVNKUF ETPOKTF
Slide 17: UNIQA Austria
rkfn^=^ìëíêá~ eáÖÜäáÖÜíë=Ne=OMNP pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B rkfn^=^ìëíêá~=áåÅäìÇÉë=rkfn^=£ëíÉêêÉáÅÜ=sÉêëáÅÜÉêìåÖÉå= ^dI=p~äòÄìêÖÉê=i~åÇÉëJsÉêëáÅÜÉêìåÖ=^d=~åÇ RMB=çÑ cáå~åÅÉ= dêçëë=éêÉãáìãë=ïêáííÉåE~F NIQVR NIQQP PKSB iáÑÉ=iÉÄÉåëîÉêëáÅÜÉêìåÖ=^d dêçëë=éêÉãáìãë=ïêáííÉåEÄF NIPVM= NIPQN= PKTB √ mê
Slide 18: Raiffeisen Insurance
o~áÑÑÉáëÉå=fåëìê~åÅÉ eáÖÜäáÖÜíë=Ne=OMNP pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B o~áÑÑÉáëÉå=fåëìê~åÅÉ=áåÅäìÇÉë=o~áÑÑÉáëÉå=sÉêëáÅÜÉêìåÖ=^d=~åÇ= RMB=çÑ=cáå~åÅÉ=iáÑÉ=iÉÄÉåëîÉêëáÅÜÉêìåÖ=^d dêçëë=éêÉãáìãë=ïêáííÉåE~F QRO QNV TKUB dêçëë=éêÉãáìãë=ïêáííÉåEÄF PQT= PNT= VKSB √ mêÉãáìãë=É~êåÉÇ=áåÅêÉ~ëÉÇ=~ë=~=êÉëìäí=çÑ
Slide 19: UNIQA International
rkfn^=fåíÉêå~íáçå~ä eáÖÜäáÖÜíë=Ne=OMNP pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B rkfn^=fåíÉêå~íáçå~ä=áåÅäìÇÉë=rkfn^=fåíÉêå~íáçå~ä=^dI= rkfn^=fåíÉêå~íáçå~ä=_ÉíÉáäáÖìåÖëîÉêï~äíìåÖ dãÄe=~åÇ= dêçëë=éêÉãáìãë=ïêáííÉåE~F NIMVM VSM NPKSB çéÉê~íáîÉ=ÇáêÉÅí=áåëìê~åÅÉ=Åçãé~åáÉë=áå=NU=ÅçìåíêáÉë dêçëë=éêÉãáìãë=ïêáííÉåEÄF
Slide 20: Reinsurance
oÉáåëìê~åÅÉ eáÖÜäáÖÜíë=Ne=OMNP pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B oÉáåëìê~åÅÉ=áåÅäìÇÉë=íÜÉ=êÉáåëìê~åÅÉ=çéÉê~íáçå=rkfn^=oÉ=áå= pïáíòÉêä~åÇ=~åÇ=íÜÉ=êÉáåëìê~åÅÉ=êÉëìäí=çÑ=rkfn^=fåëìê~åÅÉ= dêçëë=éêÉãáìãë=ïêáííÉå SSU= TRM= ENMKVFB dêçìé=^d mêÉãáìãë=É~êåÉÇ=EêÉí~áåÉÇF= RQO= RTU= ESKOFB √ få=Ne=OMNP=~=åÉí=áã
Slide 21: Group functions & Consolidation
dêçìé=ÑìåÅíáçåë=C=`çåëçäáÇ~íáçå eáÖÜäáÖÜíë=Ne=OMNP pÉÖãÉåí=mCi €ã Ne=OMNP Ne=OMNO B dêçìé=ÑìåÅíáçåë=~åÇ=`çåëçäáÇ~íáçå=áåÅäìÇÉë=ÅçåëçäáÇ~íáçå= ÉÑÑÉÅíë=çÑ=áåíê~JÖêçìé=êÉáåëìê~åÅÉI=íÜÉ=êÉëìäíë=çÑ=rkfn^= dêçëë=éêÉãáìãë=ïêáííÉå ESPTF ETNSF ENNKMFB fåëìê~åÅÉ=dêçìé=^d=EÉñÅäìÇáåÖ=êÉáåëìê~åÅÉFI=~ää=çíÜÉê= Ü
Slide 22: Equity position (including minority interest) and Solvency I ratio
bèìáíó=éçëáíáçå=EáåÅäìÇáåÖ=ãáåçêáíó=áåíÉêÉëíF pçäîÉåÅó=f=ê~íáç ONRB ONMB €ERUFã OIMNU EVF VT N NIVSM EPRF ENNNF €EQVFã bèìáíó=cv=OMNO oÉîÉåìÉ=êÉëÉêîÉë oÉî~äì~íáçå= qçí~ä=éêçÑáí jáåçêáíó=áåíÉêÉëíë líÜÉê bèìáíó=Ne=OMNP êÉëÉêîÉë OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ ON
Slide 23: Agenda
^ÖÉåÇ~ NK eáÖÜäáÖÜíë=Ne=OMNP OK _ìëáåÉëë=éÉêÑçêã~åÅÉ PK fåîÉëíãÉåíë QK `çåÅäìëáçå=~åÇ=çìíäççâ ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ OO
Slide 24: Investment activity
fåîÉëíãÉåí=~Åíáîáíó eáÖÜäáÖÜíë=Ne=OMNP fåîÉëíãÉåí=áåÅçãÉ=E€ãF √ qÜÉ=åÉí=áåîÉëíãÉåí=áåÅçãÉ=áåÅêÉ~ëÉÇ=íç=€QMVã=áåÅäìÇáåÖ= ORM Ö~áå=çå=ë~äÉ=çÑ=eçíÉä=dêçìé=E^efF=ïÜáÅÜ=äÉÇ=íç=~=éçëáíáîÉ= OMT ONR OMM OMM OMQ ONU NTM OOS NUP NTR çåÉJçÑÑ=çÑ=€RNã NMP UM √ qÜÉ=áåîÉëíãÉåí=éçêíÑçäáç=çÑ=íÜÉ=rkfn^=dêçìé=ï~ë=ëí~Ä
Slide 25: Investment allocation
fåîÉëíãÉåí=~ääçÅ~íáçå _ó=éêçÇìÅí _ó=ê~íáåÖ bèìáíáÉë OUKQB PKNB ^äíÉêå~íáîÉë m~êíáÅáé~íáçåë PKMB PKPB ORKVB OSKQB `~ëÜ NMKOB OOKSB oÉ~ä=Éëí~íÉ ONKPB VKMB _çåÇë NTKSB TNKQB NSKMB qçí~ä=cv=OMNOW==€ONÄå NQKMB NNKMB bèìáíáÉë m~êíáÅáé~íáçåë NMKSB OKRB PKOB ^äíÉêå~íáîÉë OKNB PKPB OKVB `~ëÜ _çåÇë NMKQB TPKM
Slide 26: Fixed income portfolio
cáñÉÇ=áåÅçãÉ=éçêíÑçäáç lîÉê~ää=Åçãéçëáíáçå dçîÉêåãÉåí=ÄçåÇë qçí~ä=êÉíìêå ^_p líÜÉê QKTB QKNB NKSB píêìÅíìêÉëL ëï~éë= RKTB bãÉêÖáåÖ= eáÖÜ=Öê~ÇÉ ã~êâÉíë RQKVB ^ìëíêá~ NMKMB líÜÉê OQKVB POKUB `çêéçê~íÉë NVKNB qçí~ä=cv=OMNOW==€NQKVÄå fí~äó NMKVB dÉêã~åó ^_p PKTB qçí~ä=êÉíìêå líÜÉê PKTB QKQB NKUB mçä~åÇ
Slide 27: Agenda
^ÖÉåÇ~ NK eáÖÜäáÖÜíë=Ne=OMNP OK _ìëáåÉëë=éÉêÑçêã~åÅÉ PK fåîÉëíãÉåíë QK `çåÅäìëáçå=~åÇ=çìíäççâ ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ OS
Slide 28: A good start in 2013
^=ÖççÇ=ëí~êí=áå=OMNP Ne=OMNP=ëìãã~êó nì~êíÉêäó=ÇÉîÉäçéãÉåí=çÑ=b_q=E€ãF √ rkfn^=ÇÉäáîÉêÉÇ=éêçÑáí~ÄäÉ=ÖêçïíÜ=ÇÉëéáíÉ=ÅÜ~ääÉåÖáåÖ= NNT ã~êâÉí=ÉåîáêçåãÉåí √ `çãÄáåÉÇ=ê~íáç=EmC`F=áãéêçîÉÇ=íç=VVKQB=ÇÉëéáíÉ=ÑäççÇ= √ råÇÉêïêáíáåÖ=êÉëìäí=áãéêçîÉÇ=~Åêçëë=~ää=ÄìëáåÉëë=ëÉÖãÉåíë= áå=Ne=OMNP √ fåîÉëíãÉåí=êÉëìäí=á
Slide 29: Outlook
lìíäççâ √ pçãÉïÜ~í=áãéêçîÉÇ=ÉÅçåçãáÅ=çìíäççâ=Ñçê=íÜÉ=êÉëí=çÑ=OMNP √ rkfn^=OKM=áåáíá~íáîÉë=ïÉää=çå=íê~Åâ= √ mêÉãáìã=îçäìãÉ=áë=í~êÖÉíÉÇ=íç=Öêçï=~ÜÉ~Ç=çÑ=ã~êâÉí=ÖêçïíÜ=áå=çìê=ÅçêÉ=ã~êâÉíëK= √ cçÅìë=çå=ÑìêíÜÉê=áãéêçîáåÖ=Åçëí=ÉÑÑáÅáÉåÅó=~åÇ=ìåÇÉêïêáíáåÖ=èì~äáíó √ rkfn^=êáÖÜí=çå=íê~Åâ=íç=áãéêçîÉ=éêçÑáí=çå
Slide 30: Agenda
^ÖÉåÇ~ NK eáÖÜäáÖÜíë=Ne=OMNP OK _ìëáåÉëë=éÉêÑçêã~åÅÉ PK fåîÉëíãÉåíë QK `çåÅäìëáçå=~åÇ=çìíäççâ ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå OTLMULOMNP=MTWRM NPÄiaMNMV|`äáÉåí=máíÅÜÄççâ=íÉãéä~íÉ|kÉïKééíñ OV
Slide 31: Income statement
fåÅçãÉ=ëí~íÉãÉåí €ã Ne=OMNP Ne=OMNO B dêçëë=éêÉãáìãë=ïêáííÉå OITORKO OIROUKU TKUB mêÉãáìãë=É~êåÉÇ=EêÉí~áåÉÇF= OIQVRKM OIOTTKV VKRB fåÅçãÉ=Ñêçã=ÑÉÉë=~åÇ=Åçããáëëáçåë NQKU ONKN EOVKVFB kÉí=áåîÉëíãÉåí=áåÅçãÉ QMUKV QMPKQ NKPB líÜÉê=áåÅçãÉ OVKT OTKU TKNB qçí~ä=áåÅçãÉ OIVQUKQ OITPMKP UKMB fåëìê~åÅÉ=ÄÉåÉÑá
Slide 32: Balance sheet
_~ä~åÅÉ=ëÜÉÉí ^ëëÉíë iá~ÄáäáíáÉë €ã Ne=OMNP cv=OMNO B €ã Ne=OMNP cv=OMNO B q~åÖáÄäÉ=~ëëÉíë OVSKS PMSKU EPKPFB qçí~ä=Éèìáíó NIVSMKM OIMNTKS EOKVFB i~åÇ=~åÇ=ÄìáäÇáåÖë=ÜÉäÇ=~ë=Ñáå~åÅá~ä= NISTSKV NISVMKU EMKUFB áåîÉëíãÉåíë pìÄçêÇáå~íÉÇ=äá~ÄáäáíáÉë QRMKM QRMKM MKMB fåí~åÖáÄäÉ=~ëëÉíë NIQTMKQ NIQNQKQ QKM
Slide 33: Detailed breakdown of UNIQA International results
aÉí~áäÉÇ=ÄêÉ~âÇçïå=çÑ=rkfn^=fåíÉêå~íáçå~ä=êÉëìäíë mêÉãáìãë=É~êåÉÇ= kÉí=áåîÉëíãÉåí= fåëìê~åÅÉ= léÉê~íáåÖ= mêçÑáí=çå=çêÇáå~êó= EêÉí~áåÉÇF áåÅçãÉ ÄÉåÉÑáíë ÉñéÉåëÉë ~ÅíáîáíáÉë Ne=OMNP Ne=OMNO Ne=OMNP Ne=OMNO Ne=OMNP Ne=OMNO Ne=OMNP Ne=OMNO Ne=OMNP Ne=OMNO ^Çãáåáëíê~íáçå MKM= MKM= MKM= EMKOF MKM= MKM= EN
Slide 34: FX rates
cu=ê~íÉë `çåîÉêëáçå=ê~íÉë=íç=€ oÉÖáçå PMJgìåJNP PNJaÉÅJNO pïáëë=Ñê~åÅ `ec NKOPPU NKOMTO `òÉÅÜ âçêìå~ `wh ORKVQVM ORKNRNM eìåÖ~êá~å Ñçêáåí erc OVQKURMM OVOKPMMM `êç~íá~å=âìå~ eoh TKQQVR TKRRTR mçäáëÜ òäçíó mik QKPPTS QKMTQM _çëåá~JeÉêòÉÖçîáå~=ÅçåîÉêíáÄäÉ=ã~êâ= _^j NKVRRU NKVRRU oçã~åá~å äÉì olk QKQSM
Slide 35: Shareholder information and contacts
pÜ~êÉÜçäÇÉê=áåÑçêã~íáçå=~åÇ=Åçåí~Åíë dÉåÉê~ä=áåÑçêã~íáçå `çåí~Åí=ÇÉí~áäë √ iáëíÉÇ=ëáåÅÉ=NVVV=çå=íÜÉ=sáÉåå~=píçÅâ=bñÅÜ~åÖÉ rkfn^=dêçìé= √ ONPKQã=Åçããçå=ëÜ~êÉë fåîÉëíçê=oÉä~íáçåë √ fpfkW==^qMMMMUONNMP jáÅÜ~Éä=léäìëíáäI=píÉÑ~å=däáåò aáîáÇÉåÇ=éÉê=ëÜ~êÉ=Eáå=€F ^ÇÇêÉëëW=råíÉêÉ=açå~ìëíê~ëëÉ=ONI=NMOV=táÉå N
Slide 36: Disclaimer
aáëÅä~áãÉê qÜáë=éêÉëÉåí~íáçå=EíÜÉ=?mêÉëÉåí~íáçå?FI=~åÇ=íÜÉ=áåÑçêã~íáçå=Åçåí~áåÉÇ=íÜÉêÉáåI=áë=åçí=ÇáêÉÅíÉÇ=íçI=çê=áåíÉåÇÉÇ=Ñçê=îáÉïáåÖI=êÉäÉ~ëÉI=ÇáëíêáÄìíáçåI=éìÄäáÅ~íáçå=çê=ìëÉ=Äó=EÇáêÉÅíäó=çê=áåÇáêÉÅíäóI=áå= ïÜçäÉ=çê=áå=é~êíFI=~åó=éÉêëçå=çê=Éåíáíó=íÜ~í=áë=~=ÅáíáòÉå=çÑI=çê=êÉëáÇÉåí=çê=äçÅ~íÉÇ=áåI=íÜ
UNIQA Insurance Group — H1 2013 Earnings Presentation on 6ix