Uniqa Insurance Group Ag · VIE:UQA
Uniqa Insurance — Investor Day (December 2024)
74 slides from Uniqa Insurance's investor day presentation, Dec 11, 2024
Slide 1: UNIQA 3.0 Growing Impact 2025-2028
UNIQA 3.0 Growing Impact 2025-2028 Capital Markets Day December 11, 2024 London
Slide 2: Agenda
AGENDA Presenter Topic Time Andreas Brandstetter Group Strategy 09:00 - 09:30 Kurt Svoboda Finance & Risk 09:30 - 10:00 Wolfgang Kindl Customer & Markets International 10:00 - 10:30 Break 10:30 - 10:45 Kurt Svoboda Customer & Markets Austria 10:45 - 11:15 René Knapp Deep-dives: Life & Health Insuran
Slide 3: Living Better Together
Living Better Together Andreas Brandstetter, CEO
Slide 4: UNIQA at a glance: a leading insurer in Austria & CEE
GROUP STRATEGY: UNIQA AT A GLANCE UNIQA at a glance: a leading insurer in Austria & CEE > EUR 7b premiums PL 6 UNIQA position on the UA > EUR 426m local markets, GWP 5 earnings before tax CZ 5 SK 4 17 countries AT 2 HU CH 5 RO (1) 8 HR 6 > 16m Customers BA 6 RS 6 BG ME 11 KS 3 2 NMK 4 ~ 15,500 emplo
Slide 5: UNIQA at a glance: targeting attractive growth markets
GROUP STRATEGY: UNIQA AT A GLANCE UNIQA at a glance: targeting attractive growth markets, with a diversified portfolio and distribution power Highlights GWP by region and products (a) (b) (c) International 39% Life 22% EUR 2.8b EUR 1.6b Austria 61% No 2 in Austria Total Markets EUR 7.1b EUR 4.3b EUR
Slide 6: Experienced team and strong governance
GROUP STRATEGY: WHAT MAKES UNIQA DIFFERENT Experienced team and strong governance Experienced Group leadership… …a sector specialist Supervisory Board… Burkhard Gantenbein Anna Maria D’Hulster Jutta Kath Switzerland / Germany Belgium Germany Chairman Member representing Member representing Free Floa
Slide 7: Profitable growth and operational transformation
GROUP STRATEGY: REVIEW OF UNIQA 3.0 Profitable growth and operational transformation 7.5 m 15.5 m 16.7 m customers customers customers 2011 – 2020 | UNIQA 2.0 | Building 2021 – 2024 | UNIQA 3.0 | Seeding the 2025 – 2028 | UNIQA 3.0 | a Stable Foundation Future Growing Impact • Stabilised capital bas
Slide 8: Positioned for Growing Impact
GROUP STRATEGY: REVIEW OF UNIQA 3.0 Positioned for Growing Impact 2021 – 2024 2025 – 2028 From Seeding the Future... ...to Growing Impact Target 2024 9M 2024 Growth ~5% premium CAGR(d) Growth Premium growth >4% 9.2% <15% admin cost ratio <94% combined ratio (net)(c) Cost ratio <32.5% 30.9% Profitabi
Slide 9: Our goals 2028
GROUP STRATEGY: UNIQA 3.0 GROWING IMPACT Our goals 2028 Economic Success KPIs with focus on profitable growth Employee Satisfaction Index Harmonised Customer 4.5 Stars (out of 5) Best Best Satisfaction Index service employer 4.5 Stars (out of 5) Engagement Index provider 4.5 Stars (put of 5) 9
Slide 10: UNIQA response to industry megatrends
GROUP STRATEGY: UNIQA WORLD VIEW UNIQA response to industry megatrends Economic shifts in Accessible health Digital enablement Climate change Ageing society growth solutions • Outgrowing GDP • 95% straight through • ESG-oriented • Providing high • Providing leading growth to 2028(a): processing at P
Slide 11: UNIQA investment case
GROUP STRATEGY: WHAT MAKES UNIQA DIFFERENT UNIQA investment case Diversified revenue & profit streams Stability with focus on efficiency in Austria Accelerated growth & profitability in International Potential in healthcare services beyond insurance Robust capital position and strong governance © Ad
Slide 12: UNIQA 3.0 Growing Impact
GROUP STRATEGY: UNIQA 3.0 GROWING IMPACT UNIQA 3.0 Growing Impact Highly diversified dividend stock offering 5% CAGR in premium, >6% EPS CAGR, and progressive DPS 1 Austria 2 International Resilient backbone to UNIQA, improving profitability Accelerating profitable growth Austria as UNIQA’s backbone
Slide 13: Active Finance and Risk Management
Active Finance and Risk Management Kurt Svoboda, CFRO
Slide 14: Finance & risk agenda for UNIQA 3.0 Growing Impact
FINANCE AND RISK: AGENDA FOR GROWING IMPACT Finance & risk agenda for UNIQA 3.0 Growing Impact Natural 1 Interest rates 2 Inflation 3 Catastrophe Outlook remains UNIQA offsets impact Frequency and severity uncertain through: rising - integrated into forecasts Sensitivity within health Indexed annual
Slide 15: Interest rates: strong ALM mitigates P&L effects
FINANCE AND RISK: INFLATION AND INTEREST RATES Interest rates: strong ALM mitigates P&L effects New Investment Yield for Fixed Income Key EUR spot rate changes, year on year (bps) (a) (b) FY 2023 FY 2024 (Forecast) 6 0 New Investment Yield % -20 -9 -13 -22 -40 -37 -60 -63 5 -80 -72 -100 P&C Life Hea
Slide 16: Inflation offsetting strategies
FINANCE AND RISK: INFLATION AND INTEREST RATES Inflation: mitigated with active management UNIQA inflation pass-through mechanism Inflation causes claims costs UNIQA’s indexed premiums to increase, increasing and dynamic pricing mitigate UNIQA’s reserves inflationary impact Ongoing digitalisation ef
Slide 17: Natural Catastrophe: prevalence increasing
FINANCE AND RISK: NATCAT Natural Catastrophe: prevalence increasing Insured losses from secondary perils have been growing steadily; in Europe flooding was the main secondary peril Non-peak perils losses in Europe, in USDb (CPI adj.) Peak perils losses in Europe, in USDb (CPI adj.) Non-peak perils a
Slide 18: NatCat risk mitigation: UNIQA Re at a glance
FINANCE AND RISK: NATCAT NatCat risk mitigation: UNIQA Re at a glance Diversification through 3rd party business 2003: UNIQA Re officially registered in Zurich 2012: UNIQA Re starts reinsuring Austrian Group Companies • Selective exposure to highly diversified risk • Selective underwriting process,
Slide 19: Solid capital position supports value-accretive growth
FINANCE AND RISK: SOLVENCY Solid capital position supports value-accretive growth SCR Ratio SCR Ratio Framework SCR Ratio target range 180%-230% Focus on high S&P credit rating Potential M&A 230% Optimal range > 230% for potential value-accretive M&A and additional organic growth Organic growth 180-
Slide 20: Solid capital position: solvency sensitivities
FINANCE AND RISK: SOLVENCY Solid capital position: solvency sensitivities As at 31.12.2023(a) Base Solvency II value 255% Interest rates +100 bps 268% +13 pp Interest rate sensitivities: stress applied to liquid part of curve (negative and non-negative), extrapolation to UFR Interest rates -100 bps
Slide 21: Supported by an ALM investment strategy
GROUP 2028 TARGETS …supported by an ALM investment strategy… Total Investments(a) Liability driven, cautious investment strategy, ALM EUR 21.8b dominated by fixed income, real estate and private markets 7% 5% 5% Bonds Real estate 11% Cash Increased yields and growing reinvestment volumes Equities &
Slide 22: P&C: strong focus on further profitability improvement
FINANCE AND RISK: P&C PROFITABILITY P&C: strong focus on further profitability improvement Steering Model P&C Premium Growth 2025-2028 CAGR ~6% P&C CoR | Basic Decomposition P&C CoR | Attritional Claims Ratio (gross) 62% –3ppt. 59% –1ppt. 58% Attritional Claims NATCat Reinsurance Discounting Claims
Slide 23: Diversified, growing remittances support returns
FINANCE AND RISK: LIQUIDITY AND FINANCING Diversified, growing remittances support returns Cash to Group Dividend Distribution Expected Cash Contribution to Dividend +15% to 25% UNIQA Re • Cash Remittances from Austria ~EUR 1.1bn growth ~ 20 to 30% ~ 30 to 40% International and UNIQA +30% to 40% Re
Slide 24: Financial: key messages
FINANCE AND RISK: GROUP 2028 TARGETS Financial: key messages ~5% top line growth, over 2x GDP growth in UNIQA main markets, plus cost management to deliver earnings growth Strong Solvency position supports continued growth investment, including health infrastructure Net income growth with EPS >6% CA
Slide 25: Group 2028 financial targets support dividend growth
FINANCE AND RISK: GROUP 2028 TARGETS Group 2028 financial targets support dividend growth • Structural growth drivers and Growth ~5% premium CAGR(a) portfolio optimisation support GWP growth • Cost control, IT investments <15% admin cost ratio and underwriting discipline <94% combined ratio (net) su
Slide 26: International Profitable Growth
International Profitable Growth Wolfgang Kindl, Board Member Customer and Market International
Slide 27: UNIQA International at a glance
CUSTOMER AND MARKETS INTERNATIONAL: UNIQA INTERNATIONAL AT A GLANCE UNIQA International at a glance FY 23 Q3 2024 Key takeaways Region/Country % of EBT 15m 13.8% 92.3% 3% ″One-brand″ strategy Customers(a) CoR P&C GWP growth Gross(b) 6% CZSK throughout CEE 1.0m PL Customer EUR 2.8b 21% 38% feedbacks
Slide 28: CEE grows consistently above EU 27
CUSTOMER AND MARKETS INTERNATIONAL CEE grows consistently above EU 27 Economic market development Insurance market development Key takeaways GDP average yearly growth in % GWP in EUR m • CEE GDP growth 4.1% Market share 6.5% consistently + 2,0pp above EU 27 average 3,6% 2.788 • CEE insurance markets
Slide 29: Continued international convergence
CUSTOMER AND MARKETS INTERNATIONAL Continued international convergence Increasing GWP per capita, fully leveraging UNIQA´s growing customer base 2014 2023 CAGR 2014 2023 2028 ~ EUR 195 ~ EUR 290 Avg. CEE(a) € € Avg. CEE(a) 4.5% 6m 15m 2.2k 20m ~ EUR 2,007 Avg. AT € € ~ EUR 2,228 Avg. AT 1.2% 2.0k An
Slide 30: UNIQA International: Breaking into Top 5
CUSTOMER AND MARKETS INTERNATIONAL UNIQA International: Breaking into Top 5 Profit EUR m 300 250 CREATE • "Strategic key initiatives" via commUNIties 200 TRANSFORM • Strategic country portfolio management • Transparency • M&A + diversification • Customer-centric 150 structure & steering through "Ver
Slide 31: Portfolio optimisation driving profitable growth
CUSTOMER AND MARKETS INTERNATIONAL Portfolio optimisation driving profitable growth Scaling through restructuring and M&A EBT development 2019-2023 (EUR m) GWP / business unit in EUR m ~600 200 400 UNIQA 2023 125 EUR 230m 2019 2020 2023 2025 Growth & +60 AXA CZ/SK Regional transformation SEE6 (HR, R
Slide 32: Successful AXA CEE integration
CUSTOMER AND MARKETS INTERNATIONAL Successful AXA CEE integration Deep-dive Poland: building on a very successful integration EUR m 53 55 ACTUAL Plan 49 47 47 2nd largest merger in Fastest operational 45 Poland in 2020 integration of this size 35 32 Over-delivery on Significantly increased brand 15
Slide 33: Ambition 2028 – Setting regional benchmarks
CUSTOMER AND MARKETS INTERNATIONAL Ambition 2028 – Setting regional benchmarks Customer centric set-up Top 5 in International Delivering best-in class profit margins Highly adaptive organisation Retail Corporate & Affinity Bancassurance Diversified offering for large Omnichannel strategy enterprises
Slide 34: Retail | Strengthened omnichannel capabilities
CUSTOMER AND MARKETS INTERNATIONAL Retail | Strengthened omnichannel capabilities Diversified business composition(a)… Omnichannel 2% • Stable, diversified business with well-established sales channels 25% MTPL 38% • Direct sales (Online & Call Center) strongly increasing, Motor Hull e.g. ~ 30% shar
Slide 35: Corporate Business | Diversification drives growth
CUSTOMER AND MARKETS INTERNATIONAL Corporate Business | Diversification drives growth Business composition(a)… International Corporate CAGR Business (EUR m) 1.200 7% 12% CAGR 14% MTPL 18.6% 16% Motor Hull 110 Other P&C 2011 2024(b) Life 51% Health Revenue development Micro and SME (EUR m) CAGR 600 4
Slide 36: Bancassurance | Focus on digitalisation
CUSTOMER AND MARKETS INTERNATIONAL Bancassurance | Focus on digitalisation Business composition… …and changing customer behaviour & needs 2% 6% 5% Portfolio development MTPL Stand- 29% Motor Hull 49% alone Other P&C 58% Life 45 % Health 31% 51% Tied 69% 55% …well balanced partner network… 2019 2024
Slide 37: International key messages
CUSTOMER AND MARKETS INTERNATIONAL: 2028 TARGETS International key messages Diversified base Well diversified business and country portfolio Optimised growth positioning Positioned for growth with strong customer base, continued convergence and sharpened regional focus Outgrowing the market Internat
Slide 38: International: accelerating contribution to 2028 targets
CUSTOMER AND MARKETS INTERNATIONAL: 2028 TARGETS International: accelerating contribution to 2028 targets GWP Growth ~8% CAGR(a) • Structural tailwinds, strategic management drive GWP growth above market rate P&C CoR Gross <86% • P&C CoR improvement supported by portfolio optimisation, omnichannel c
Slide 39: Austria Optimise Profitability
Austria Optimise Profitability Kurt Svoboda, CFRO
Slide 40: UNIQA Austria at a glance
CUSTOMER AND MARKETS AUSTRIA: UNIQA AUSTRIA AT A GLANCE UNIQA Austria at a glance UNIQA Austria Austrian economic development GDP in % Rebounding GDP growth 5,3 EUR 4.3b GWP 4,8 1,8 1,4 1,0 1,0 1,0 -1,0 -0,6 -6.2% 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 3.7m customers Austrian insurance ma
Slide 41: Leading health positioning a key enabler for growth
CUSTOMER AND MARKETS AUSTRIA Leading health positioning a key enabler for growth UNIQA shows particular strength in the health sector… ...and is top 3 across key regions ~10% 2 2024 Market Segment Mix ~25% 2 3 (excl. UNIQA) ~65% 1 1 1 1 1 1 2024 Market 2028 Market Very high Segment Mix – UNIQA Segme
Slide 42: Diversification: sales channels, products, customers
CUSTOMER AND MARKETS AUSTRIA Diversification: sales channels, products, customers Strong Tied Agents model driving loyalty in Austria 2023 GWP, in EUR m Motor Health (Individual) 24% Other 35% EUR 4,283m Bancassurance 5% 15% 16% Property 15% 11% Digital 2% Retail Life Accident 52% Tied Agents Affini
Slide 43: Ambition 2028: optimising profitability, steady growth
CUSTOMER AND MARKETS AUSTRIA Ambition 2028: optimising profitability, steady growth No 1 in Health Customer driven Optimising profit and digital capabilities approach Retail Corporate Bancassurance Combining regional & digital capabilities Business & Digital Transformation Restructuring Large Corpor
Slide 44: Health & P&C business drive overall growth
CUSTOMER AND MARKETS AUSTRIA: 2028 TARGETS Health & P&C business drive overall growth Gross Written Premium (EURb) Key Measures >5 ~3% CAGR Structural demand for Health insurance, 1 ~4.5 0.8 CAGR ~ 5% ~0.9 1.7 2 Targeted growth in profitable SME ~1.4 3 Restructuring of Large Corporate portfolio ~2.2
Slide 45: P&C loss ratio improvement ~5.5% to 2028
CUSTOMER AND MARKETS AUSTRIA: 2028 TARGETS P&C loss ratio improvement ~5.5% to 2028 IFRS Gross Loss Ratio Key Measures ~5.5% 68.8% Enhanced pricing capabilities & 1 new products 1 SME portfolio uplift, higher 2 2 premium & margin 3 Restructuring of Large Corporate 3 portfolio 4 <63.3% 64% Claims opt
Slide 46: IT system renewal evolved into digital transformation
CUSTOMER AND MARKETS AUSTRIA: DIGITAL TRANSFORMATION IT system renewal evolved into digital transformation What started as a programme to renew core IT systems … … became a holistic business & IT transformation Implementation of IFRS17 and 24/7 accessibility of digital E2E associated data infrastruc
Slide 47: Digital transformation: key enabler for simplification
CUSTOMER AND MARKETS AUSTRIA: DIGITAL TRANSFORMATION Digital transformation: key enabler for simplification Reduction from 120 policy lines in 2020 to 20 policy lines by 2028 Simplification from 3,000 clauses in 2024 to 500 clauses by 2028 Migration & Portfolio Margin improvement through portfolio c
Slide 48: Omnichannel strategy enables local sales force with digital assets
CUSTOMER AND MARKETS AUSTRIA: DIGITAL TRANSFORMATION Omnichannel strategy enables local sales force with digital assets, unleashing value Online products myUNIQA App Highlights Digital touchpoints for ReCON (incl. Outbound) retail business • >630,000 retail clients, density 28% Digital appointment s
Slide 49: Automation & digitalisation: 2028 admin cost ~13%
CUSTOMER AND MARKETS AUSTRIA: DIGITAL TRANSFORMATION Automation & digitalisation: 2028 admin cost ~13% Admin Cost Ratio Improvement Key Measures 1 Automation in contract and claims processing 2 Increase of Self-service via digital assets ~ -1% ~14% 3 Ramp down of project infrastructure and FTE (-400
Slide 50: Austria Key Messages
CUSTOMER AND MARKETS AUSTRIA: 2028 TARGETS Austria Key Messages Strong position Austria as UNIQA backbone, market leading position in Health and P&C Regionality Uniquely positioned and growing tied agent network #1 in most Austrian states, driving GWP growth of ~3% CAGR to 2028 Profitability enhance
Slide 51: Ambition reflected in Austria core market
CUSTOMER AND MARKETS AUSTRIA: 2028 TARGETS Ambition reflected in Austria core market… GWP • P&C and Health drive GWP Growth ~3% CAGR(a) (outpacing GDP growth) growth • Improved pricing capabilities, targeted SME growth and P&C CoR Gross <91% corporate restructuring leads to CoR improvement • Admin C
Slide 52: Deep-dives Life & Health
Deep-dives Life & Health René Knapp, Board Member Asset Management, Personal Lines, People & Brand
Slide 53: Increased spend expected on savings & healthcare
DEEP-DIVES: LIFE AND HEALTH INSURANCE Increased spend expected on savings & healthcare Life expectancy (years) Private healthcare cost (as % of total cost, EUR m) Example Austria Example Austria ~73 ~82 ~88 21.8% 22.4% 22.9% +15 +5.5% 25 20 Pension 14 Working life, 11,200 11,946 10,730 education, 59
Slide 54: Life & Health: strong Group contributor
DEEP-DIVES: LIFE AND HEALTH INSURANCE Life & Health: strong Group contributor Gross written premium 2023 Earnings before tax 2023 Life 22% (1,583) 40% Life (171) P&C 59% 7,186 50% 426 P&C 19% (1,388) Health 10% (44) Health ~40% of Group revenue, ~50% of EBT, ~72% of Group assets under management 54
Slide 55: Life insurance Improving profitability
Life insurance Improving profitability
Slide 56: In-force book: stable Austria, International growth
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE In-force book: stable Austria, International growth Austria International main countries (selection) Gross Written Premium CSM 2023 Gross Written Premium CSM 2023 (EUR m) (EUR m) (EUR m) (EUR m) -5% ~ +8% ~ -2% >1,000 951 903 1.457 x16.3 +6% 11% 11% >800
Slide 57: Continuous reduction of guarantees in Austrian book
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE Continuous reduction of guarantees in Austrian book Development of Life reserves Actuarial reserve, EUR b Actuarial interest, % 10-year EUR swap rate, % Around 16% of the back book will be run-off continuously over the next decade Plan excluding new busin
Slide 58: New Business: Strong new business margin supports profitable growth
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE New Business: Strong new business margin supports profitable growth Austria – New Business International – New Business PV Exp. Premiums Profitability Measures PV Exp. Premiums Profitability Measures (EUR m) (EUR m) 304 574 10% 2024 2028 2024 2028 49% NBV
Slide 59: New Business: high customer value, sustainable margins
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE New Business: high customer value, sustainable margins Traditional life product Unit linked product Protection business product Country (selection) (selection) • Modular product • Preselected list of high-quality- • High customer value due to wide incl. b
Slide 60: International: strong customer base, capital light growth
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE International: strong customer base, capital light growth Pensions and Savings market developments Pensions AuM Savings AuM Growing customer base and (EUR m) (EUR m) assets under management in new pension scheme Poland +6.9% 9,939 9,301 Transformation tow
Slide 61: Life Key Messages
DEEP-DIVES: LIFE AND HEALTH INSURANCE – LIFE Life Key Messages Ageing society a structural driver Supports product demand for Pensions and Life insurance with GWP growth ~3% CAGR to >EUR 1.8b to 2028 Life CSM SR to improve CSM Sustainability ratio >70% Supported by growth in protection business and
Slide 62: Health insurance Growth opportunity
Health insurance Growth opportunity
Slide 63: Health: growth potential & sustainable margins
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Health: growth potential & sustainable margins Austria International main countries (selection) UA SEE Gross written premium CSM 2023 Gross written premium (EUR m) (EUR m) (EUR m) 220 ~ +13% ~ +6% +9% >1.700 3.363 x35.7 +6% 1.163 1.269 114 120 7% 7% 29%
Slide 64: #1 Health insurer in Austrian market
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH #1 Health insurer in Austrian market Austria’s health insurance market Competitive advantage based on UNIQA medical treatment offer Austria’s public health system covers basic 1 Outpatient healthcare platform healthcare, dental and medication treatment
Slide 65: Building a future ready health ecosystem
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Building a future ready health ecosystem STAY HEALTHY GET HEALTHY / STAY HEALTHY GET HEALTHY B2C Health & Wellbeing Care at home Hospitals 100% 70% 100% since 2020 • Existing & new health Home blood testing solution 2 300+ caregivers and 1 200+ families
Slide 66: Private healthcare >EUR 11b p.a. – uncovered potential
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Private healthcare >EUR 11b p.a. – uncovered potential Current private health expenditures in Austria and paid benefits of private health High penetration potential insurance (in EUR m, %) EUR 9.6b private healthcare 11.118 Inpatient expenditure in UNIQ
Slide 67: Austria: Portfolio growth follows private medical supply
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Austria: Portfolio growth follows private medical supply 11.548 10.935 +76.6% Development of the Austrian private 9.637 doctor market (# of doctors with practices by contract and year) 8.281 8.454 8.300 8.258 8.025 Public contract doctors, +0.2% includi
Slide 68: Digital innovation: driving profitability and customer satisfaction
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Digital innovation: driving profitability and customer satisfaction Automated Automated Claims submission Underwriting 1.5m health insurance claims Automated underwriting tool submission online (+39% vs. launched 02’24 9M23) myUNIQA web and app interfac
Slide 69: Strong new business, low lapses despite price increases
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Strong new business, low lapses despite price increases Austria New Business Low lapse rates over long track record PV Exp. Premiums Profitability Measures (EUR m) 3,2% 2,4% 2,1% 873 2024 2028 3,2 3,1 3,3 6% 3,0 2,9 2,7 41% NBV EUR m 102(a) ~150 2,4 2,3
Slide 70: Health Key Messages
DEEP-DIVES: LIFE AND HEALTH INSURANCE – HEALTH Health Key Messages #1 Health Insurance provider in Austria Provision of simple, customer focused health insurance products responding to changing societal needs and enabling customer loyalty Preferred provider organisation Further development of health
Slide 71: ESG An integrated approach
Q UNIGA ESG An integrated approach
Slide 72: Strong position & track record: UNIQA a leader in ESG
DEEP-DIVE: ESG Strong position & track record: UNIQA a leader in ESG Targeting net-zero emissions: UNIQA ahead of industry averages on major ESG ratings by 2040 in Austria (underwriting, operations) ESG ratings: Industry average, UNIQA status 10/24, UNIQA Target 2028 by 2050 across entire Group (inv
Slide 73: Capital Market Day 2024 Growing Impact
Capital Market Day 2024 GROWING IMPACT Andreas Brandstetter, CEO
Slide 74: UNIQA 3.0: Growing Impact 2025-2028
UNIQA 3.0: GROWING IMPACT 2025-28 UNIQA 3.0: Growing Impact 2025-2028 Diversified revenue & profit streams Growth ~5% premium CAGR(a) Stability with focus on efficiency in Austria <15% admin cost ratio Accelerated growth & <94% combined ratio (net) profitability in International Profitability >12% s