UNIQA Insurance Group AG · VIE:UQA

UNIQA Insurance — UNIQA Group — Morgan Stanley European Financials Conference 2013

34 slides from UNIQA Insurance's conference presentation, Mar 19, 2013

1. Slide 1: UNIQA Group Investor Presentation

   rkfn^=dêçìé fåîÉëíçê=mêÉëÉåí~íáçå jçêÖ~å=pí~åäÉó=bìêçéÉ~å=cáå~åÅá~äë=`çåÑÉêÉåÅÉ içåÇçåI=NVLOM=j~êÅÜ=OMNP

2. Slide 2: Presenters and Agenda

   mêÉëÉåíÉêë=~åÇ=^ÖÉåÇ~= qçÇ~óÛë=éêÉëÉåíÉêë ^ÖÉåÇ~ ^åÇêÉ~ë=_ê~åÇëíÉííÉê NK _ìëáåÉëë=çîÉêîáÉï `bl OK píê~íÉÖáÅ=éä~å=Úrkfn^=OKMÛ PK réÇ~íÉ=çå=éêÉäáãáå~êó=cv=OMNO=êÉëìäíë e~ååÉë=_çÖåÉê `cl QK `çåÅäìëáçå N

3. Slide 3: UNIQA at a glance

   rkfn^=~í=~=Öä~åÅÉ √ rkfn^=áë=çåÉ=çÑ=íÜÉ=äÉ~ÇáåÖ=áåíÉêå~íáçå~ä=áåëìê~åÅÉ= lîÉêîáÉï=çÑ=âÉó=Ñáå~åÅá~äë=E€ãF Öêçìéë=áå=^ìëíêá~=~åÇ=~Åêçëë=`bb OMNOé OMNN B dêçëë=ïêáííÉå=éêÉãáìãë Ó íçí~ä RIRQP RIRPQ MKOB – pÉÅçåÇJä~êÖÉëí=áåëìêÉê=áå=ÜçãÉ=ã~êâÉí=^ìëíêá~=ïáíÜ= √ mêçéÉêíó=C=`~ëì~äíó=EmC`F OIRQS OIQNM RKSB ~

4. Slide 4: Strategic framework of UNIQA 2.0

   píê~íÉÖáÅ=Ñê~ãÉïçêâ=çÑ=rkfn^=OKM= cçÅìë=çå=ÜçãÉ=ã~êâÉíë=^ìëíêá~=~åÇ=`bb Concentrate on √ Concentration on stable market Austria and growth mêÉãáìã=ëéäáí=Äó=êÉÖáçå=Ecv=OMNOéF core insurance region CEE `bb business √ Diversified business mix across business lines OPKQB tÉëíÉêå= √ We aim to raise our n

5. Slide 5: Leading position in Austria with diversified portfolio

   iÉ~ÇáåÖ=éçëáíáçå=áå=^ìëíêá~=ïáíÜ=ÇáîÉêëáÑáÉÇ éçêíÑçäáç ^=äÉ~ÇáåÖ=áåëìêÉê=áå=^ìëíêá~ rkfn^=^ìëíêá~=dtm=îçäìãÉ=Äó=ÄìëáåÉëë=íóéÉ=E€ãFE~F OOKOB qçí~ä=ã~êâÉí=ëÜ~êÉ Eo~åâF PITRS PIUOV PISUS TTP TVN UNQ OIUMN OITOT SNQ mC` NTKVB O NIPOQ NIPSO NIQMP NINNO SPM NINPT NISRV NISTR NIQSV NIMTR VRV OMMV OMNM OMNN

6. Slide 6: Wide footprint across CEE with strong growth record

   táÇÉ=Ñççíéêáåí=~Åêçëë=`bb=ïáíÜ=ëíêçåÖ=ÖêçïíÜ êÉÅçêÇ `bb=dtm=îçäìãÉ= pçìíÜ=b~ëíÉêå=bìêçéÉ=EpbbF Äó=ÄìëáåÉëë=íóéÉ=E€ãF= `^doW==QB √ `äáÉåíëW NKQã NIOVQ NIOQM √ pÜ~êÉ=çÑ=dtmW NQKVB NINRP VQQ VRN oìëëá~ `Éåíê~ä=bìêçéÉ=E`bF √ `äáÉåíëW OKSã OMMV OMNM OMNN Vj= Vj= OMNN OMNO √ pÜ~êÉ=çÑ=dtmW SSKQB iáÑÉ mC` e

7. Slide 7: Diversified distribution channels and strong brand recognition

   aáîÉêëáÑáÉÇ=ÇáëíêáÄìíáçå=ÅÜ~ååÉäë=~åÇ=ëíêçåÖ=Äê~åÇ= êÉÅçÖåáíáçå ^ìëíêá~=dtm=Äó=ÇáëíêáÄìíáçå=ÅÜ~ååÉä lìíëí~åÇáåÖ=Äê~åÇ=áå=^ìëíêá~ _~åâ OPB √ eáÖÜÉëí=ÅìëíçãÉê=êÉ~ÅÜ=~ãçåÖ=~ää=áåëìê~åÅÉ=Åçãé~åáÉë= lïå= áå=^ìëíêá~=EPNB=áå=OMNNFE~F ÉãéäçóÉÉë= √ rkfn^=áë=íÜÉ=ëíêçåÖÉëí=^ìëíêá~å=áåëìê~åÅÉ=Äê~åÇ=EïáíÜ= aáêÉÅ

8. Slide 8: Strategic plan UNIQA 2.0

   ^ÖÉåÇ~ _ìëáåÉëë=çîÉêîáÉï píê~íÉÖáÅ=éä~å=Úrkfn^=OKMÛ mêÉäáãáå~êó=cv=OMNO=êÉëìäíë `çåÅäìëáçå ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå

9. Slide 9: UNIQA 2.0: Priority programmes

   rkfn^=OKMW==mêáçêáíó=éêçÖê~ããÉë • páÖåáÑáÅ~åí=áãéêçîÉãÉåí=çÑ= aÉîÉäçéãÉåí=çÑ=éêçÑáí=çå=çêÇáå~êó=~ÅíáîáíáÉë=E€ãF N éêçÇìÅíáîáíóLéêçÑáí~Äáäáíó=ïáíÜ=~å=~Ç~éíÉÇ= çéÉê~íáåÖ=ãçÇÉä=Ñçê=rkfn^=^ìëíêá~ oÉëíêìÅíìêáåÖ=çÑ=íÜÉ= • píêÉåÖíÜÉåáåÖ=çÑ=êÉÖáçå~ä=ÇáëíêáÄìíáçå=~åÇ= ^ìëíêá~å=ÄìëáåÉëë çîÉê~ää=ë~äÉë=ÉÑÑÉÅíáî

10. Slide 10: Strategic roadmap towards Re-IPO

    píê~íÉÖáÅ=êç~Çã~é=íçï~êÇë=oÉJfml= oÉJfml páãéäáÑáÅ~íáçå=çÑ=Åçêéçê~íÉ=ëíêìÅíìêÉ ► píêÉåÖíÜÉå=Ä~ä~åÅÉ=ëÜÉÉí= ~åÇ=ÅêÉ~íÉ=ëíê~íÉÖáÅ= ► `äÉ~ê=~åÇ=äÉëë=ÅçãéäÉñ=Åçêéçê~íÉ= ÑäÉñáÄáäáíó=Ñçê=ãáÇJ íç= €RMMã=êáÖÜíë=áëëìÉ ëíêìÅíìêÉ=~ë=Ä~ëáë=Ñçê=rkfn^=OKM=ëìÅÅÉëë äçåÖJíÉêã=ÖêçïíÜ=~åÇ= ► cìääó=Ä~ÅâÉÇ=Äó=ÅçêÉ= ► `ç

11. Slide 11: Restructuring of the Austrian business

    N oÉëíêìÅíìêáåÖ=çÑ=íÜÉ=^ìëíêá~å=ÄìëáåÉëë kÉí=Åçëí=ê~íáçë=áå=^ìëíêá~ EOMNNF hÉó=áåáíá~íáîÉë páãéäáÑáÅ~íáçå=çÑ= √ páãéäáÑáÉÇ=Åçêéçê~íÉ=ëíêìÅíìêÉ Åçêéçê~íÉ= √ ^ÅÜáÉîÉãÉåí=çÑ=ëóåÉêÖáÉë=~åÇ=êÉÖìä~íçêó= rkfn^= ëíêìÅíìêÉ Å~éáí~ä=áãéêçîÉãÉåíë OUKRB ^ìëíêá~ √ oÉçêÖ~åáë~íáçå=çÑ=íÜÉ=V=êÉÖáçå~ä=çÑÑáÅÉë léíáãáë~

12. Slide 12: Increase of productivity of bancassurance in Austria

    O fåÅêÉ~ëÉ=çÑ=éêçÇìÅíáîáíó=çÑ=Ä~åÅ~ëëìê~åÅÉ=áå ^ìëíêá~ o~áÑÑÉáëÉå=~í=~=Öä~åÅÉ= páÖåáÑáÅ~åí=ìéëáÇÉ=éçíÉåíá~ä=áå=^ìëíêá~ få=^ìëíêá~ få=`bb √ cìêíÜÉê=ëáãéäáÑáÅ~íáçå=~åÇ=íê~åëé~êÉåÅó=Ñçê= “~ååÉñÒ=éêçÇìÅíë=í~áäçêÉÇ=íç=o~áÑÑÉáëÉå= √ aáëíêáÄìíáçå=îá~=äçÅ~ä= √ aáëíêáÄìíáçå=îá~=o~áÑÑÉáëÉå= q~áäçêÉÇ ÅìëíçãÉêë

13. Slide 13: International expansion opportunities in CEE markets

    P fåíÉêå~íáçå~ä=Éñé~åëáçå=çééçêíìåáíáÉë=áå=`bb ã~êâÉíë fåëìê~åÅÉ=ÇÉåëáíóE~F E€F o~åâáåÖ= rkfn^ O U R NO S NN NMEÄF S Q T Q R U REÅF P N √ cçÅìë=çå=íÜÉ=NS=`bb=ã~êâÉíë 2,500 √ fåÅêÉ~ëÉÇ=áåîÉëíãÉåíë=áå=`bb=áå=çïå= ÇáëíêáÄìíáçå=~åÇ=Ä~åÅ~ëëìê~åÅÉ=ïáíÜ= 2,102 ^ìëíêá~=áå= o_f NVVP=Ó OMMQ 2,000 1,954 √ `çåë

14. Slide 14: Optimising the risk/return profile

    Q léíáãáëáåÖ=íÜÉ=êáëâLêÉíìêå=éêçÑáäÉ cìåÇë=ìåÇÉê=çïå=ã~å~ÖÉãÉåí=EPM=pÉéíÉãÄÉê=OMNOF hÉó=áåáíá~íáîÉë ^äíÉêå~íáîÉë m~êíáÅáé~íáçåë √ pÉíJìé=çÑ=^ij=éêçÅÉëë=Ñçê=Öêçìé=~åÇ=~ää=äçÅ~ä= bèìáíáÉë PKQB PKOB ÉåíáíáÉë PKPB ^ij √ fãéäÉãÉåí~íáçå=çÑ=áåíÉêå~ä=êáëâLêÉíìêå=Éî~äì~íáçå=çÑ= oÉ~ä=Éëí~íÉ åçåJäáÑÉ=éçêíÑçäáç

15. Slide 15: What have we achieved so far?

    tÜ~í=Ü~îÉ=ïÉ=~ÅÜáÉîÉÇ=ëç=Ñ~ê\ √ píêÉåÖíÜÉå=Ä~ä~åÅÉ=ëÜÉÉí=ëíêìÅíìêÉ=íç=Å~éíìêÉ=ëÜçêíJíÉêã=çééçêíìåáíáÉë=EÄìóJçìí=çÑ=b_oaE~F ãáåçêáíáÉëI=jC^F=~åÇ=Ñáå~åÅÉ= oáÖÜíë=áëëìÉ= çêÖ~åáÅ=ÖêçïíÜ OMNO  – oáÖÜíë=áëëìÉ=çÑ=€RMMã=ëìÅÅÉëëÑìääó=ÅçãéäÉíÉÇ √ `äÉ~ê=~åÇ=äÉëë=ÅçãéäÉñ=dêçìé=ëíêìÅíìêÉ=~ë=Ä~ëáë=Ñçê=rkfn^=OKM=

16. Slide 16: Preliminary FY 2012 results

    ^ÖÉåÇ~ _ìëáåÉëë=çîÉêîáÉï píê~íÉÖáÅ=éä~å=Úrkfn^=OKMÛ mêÉäáãáå~êó=cv=OMNO=êÉëìäíë `çåÅäìëáçå ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå

17. Slide 17: Financial snapshot – Preliminary FY 2012 results

    cáå~åÅá~ä=ëå~éëÜçí=Ó mêÉäáãáå~êó=cv=OMNO=êÉëìäíë €ã OMNOé OMNN B dêçëë=ïêáííÉå=éêÉãáìãëE~F RIRQP RIRPQ MKOB EoÉÅìêêáåÖF=Öêçëë ïêáííÉå=éêÉãáìãëE~F RIMNM QIVPP NKRB fåîÉëíãÉåí=êÉëìäí TVO OMO OVOKOB b~êåáåÖë=ÄÉÑçêÉ=í~ñ=EáåÅäìÇáåÖ çåÉJçÑÑëF OMR EPOOF EÄF åã b~êåáåÖë=ÄÉÑçêÉ=í~ñ=EÉñÅäìÇáåÖ çåÉJçÑÑëF OMR

18. Slide 18: Financial snapshot (continued)

    cáå~åÅá~ä=ëå~éëÜçí=EÅçåíáåìÉÇF dtmE~F E€ãF `çãÄáåÉÇ=ê~íáç=EåÉíF=EBF SIOOQ= NMRKQ NMQKV RITPV= EPKSFééíë RIRPQ= MKOB RIRQP= NIMUQ= NMOKO NMNKP URR= SMN= RPP= QIUUQ= RINQM= QIVPP= RIMNM= EÄF EÄF OMMV OMNM OMNN OMNOé oÉÅìêêáåÖ=éêÉãáìãë páåÖäÉ=éêÉãáìãë EÄF EÄF OMMV OMNM OMNN OMNOé fåîÉëíãÉåí=êÉëìäí=E€ãF

19. Slide 19: Premium growth: business segments

    mêÉãáìã=ÖêçïíÜW==ÄìëáåÉëë=ëÉÖãÉåíë mêÉãáìãë=Äó=ÄìëáåÉëë=ëÉÖãÉåí=EOMNOé=îë=OMNNF=E€ãF • qÜÉ=éêÉãáìã=îçäìãÉ=ïêáííÉå=áå=éêçéÉêíó=~åÇ=Å~ëì~äíó= áåëìê~åÅÉ=ÖêÉï=Äó=RKSB=íç=€OIRQSã oÉÅìêêáåÖ=éêÉãáìãëW=€RIMNMã=EHNKRBF • qÜÉ=éêÉãáìã=îçäìãÉ=ïêáííÉå=áå=ÜÉ~äíÜ=áåëìê~åÅÉ=áåÅêÉ~ëÉÇ=Äó= ENNKOFB MKOB PKPB=íç=€VMVã

20. Slide 20: Premium growth: regions

    mêÉãáìã=ÖêçïíÜW==êÉÖáçåë dêçëë=ïêáííÉå=éêÉãáìãë=Äó=êÉÖáçå=EOMNOé=îë=OMNNF=E€ãF • få=^ìëíêá~I=éêÉãáìãë=ïêáííÉå=ÇÉÅêÉ~ëÉÇ=Äó=PKOB=íç=€PIRSSã= ÇìÉ=íç=äçïÉê=ëáåÖäÉ=éêÉãáìãë=áå=äáÑÉ=áåëìê~åÅÉ HNOKMB HMKOB – oÉÅìêêáåÖ=éêÉãáìãë=áå=^ìëíêá~=~äëç=ÇÉÅäáåÉÇ=Äó=OKMB=íç= €PIQTQã SUN HQKRB – páåÖäÉ=éêÉãáìãë=ÇÉÅäáå

21. Slide 21: Investment activity

    fåîÉëíãÉåí=~Åíáîáíó fåîÉëíãÉåí=áåÅçãÉ=E€ãF • qÜÉ=åÉí=áåîÉëíãÉåí=áåÅçãÉ=ëíêçåÖäó=áåÅêÉ~ëÉÇ=íç=€TVOã=ÇìÉ= qçí~ä=OMNNW=OOTãLOMOE~Fã íç=ÖççÇ=éÉêÑçêã~åÅÉ=çå=Å~éáí~ä=ã~êâÉíë=áå=OMNO=ïÜáäÉ=OMNN= ORM qçí~ä=OMNOéW==€TVOã ÑáÖìêÉë=ïÉêÉ=áãé~ÅíÉÇ=Äó=ïêáíÉJÇçïå=çå=dêÉÉâ=ÄçåÇë OMT ONR OMM OMM OMQ ONU NTR NTM NMP U

22. Slide 22: Summary of FY 2012 results

    pìãã~êó=çÑ=cv=OMNO=êÉëìäíë • pí~ÄäÉ=~åÇ=ëçìåÇ=ìåÇÉêäóáåÖ=ÅçêÉ=çéÉê~íáåÖ=ÄìëáåÉëë=ÇÉëéáíÉ=ÅÜ~ääÉåÖáåÖ=ã~êâÉí=ÉåîáêçåãÉåí • `çåíáåìáåÖ=éçëáíáîÉ=ÖêçïíÜ=íêÉåÇ=áå=mC`=~åÇ=eÉ~äíÜ=é~êíäó=çÑÑëÉíë=éä~ååÉÇ=ÅìíÄ~Åâ=çÑ=ëáåÖäÉ=éêÉãáìã=ÄìëáåÉëë=áå= mçä~åÇ • oÉíìêå=íç=éêçÑáí~Äáäáíó=~ÑíÉê=äçëë=Ó áå=OMNOI=rkfn^=~ÅÜá

23. Slide 23: Conclusion

    ^ÖÉåÇ~ _ìëáåÉëë=çîÉêîáÉï píê~íÉÖáÅ=éä~å=Úrkfn^=OKMÛ mêÉäáãáå~êó=cv=OMNO=êÉëìäíë `çåÅäìëáçå ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå

24. Slide 24: UNIQA highlights

    rkfn^=ÜáÖÜäáÖÜíë • iÉ~ÇáåÖ=éçëáíáçå=áå=^ìëíêá~ • píêçåÖ=ìéëáÇÉ=Ñêçã=çåÖçáåÖ=êÉëíêìÅíìêáåÖ=éêçÖê~ããÉ= áå ^ìëíêá~ ^ííê~ÅíáîÉ=ÅçãÄáå~íáçå=çÑW • táÇÉ=Ñççíéêáåí=~Åêçëë=`bb=ïáíÜ=ëíêçåÖ=éêçÑáí~ÄäÉ= √ pÜçêíJíÉêã=êÉëíêìÅíìêáåÖ=éä~ó ÖêçïíÜ çìíäççâ √ jáÇJíç=äçåÖJíÉêã=`bb=ÖêçïíÜ=ëíçêó • mêÉÑÉêêÉÇ=Ä~åÅ~ëëìê~åÅÉ=

25. Slide 25: Appendix: Additional information

    ^ÖÉåÇ~ _ìëáåÉëë=çîÉêîáÉï píê~íÉÖáÅ=éä~å=Úrkfn^=OKMÛ mêÉäáãáå~êó=cv=OMNO=êÉëìäíë `çåÅäìëáçå ^ééÉåÇáñW==^ÇÇáíáçå~ä=áåÑçêã~íáçå

26. Slide 26: Simplified Group structure

    páãéäáÑáÉÇ=dêçìé=ëíêìÅíìêÉ= píêìÅíìêÉ=ÄÉÑçêÉ=^ìíìãå=OMNO kÉï=ëíêìÅíìêÉ E^ìíìãå=OMNOF rkfn^ rkfn^ sÉêëáÅÜÉêìåÖÉå=^d sÉêëáÅÜÉêìåÖÉå=^d NMMBEÄF NMMB NMMB NMMBEÄF NMMB rkfn^ rkfn^ o~áÑÑÉáëÉå= rkfn^=£ëíÉêêÉáÅÜ= rkfn^ p~ÅÜîÉêëáÅÜÉêìåÖ=^d fåíÉêå~íáçå~ä=^d sÉêëáÅÜÉêìåÖ=^d sÉêëáÅÜÉêìåÖÉå=^dE~F fåíÉêå~íáçå~ä=

27. Slide 27: Several one-time items affected the results in 2011

    pÉîÉê~ä=çåÉJíáãÉ=áíÉãë=~ÑÑÉÅíÉÇ=íÜÉ=êÉëìäíë=áå OMNN N mÉêëçååÉä=Åçëíë €ETRFã N mêçîáëáçåë Ñçê=ÉãéäçóÉÉ=ÄÉåÉÑáíë oÉëíêìÅíìêáåÖ= O mÉåëáçå ëÅÜÉãÉ €EPMFã O bñé~åëáçå=çÑ=éÉåëáçå=ëÅÜÉãÉ ÅçëíëW= €ENPNFã líÜÉê=êÉëíêìÅíìêáåÖ=Åçëíë=áåÅäìÇáåÖ=ÅçåëìäíáåÖ=ÅçëíëI=fq=~åÇ=çíÜÉê= P líÜÉê=êÉëíêìÅíìêáåÖ=Åçëíë €EOSFã

28. Slide 28: Reduced exposure to PIIGS

    oÉÇìÅÉÇ=ÉñéçëìêÉ=íç=mffdp j~êâÉí=î~äìÉ ^Åèìáëáíáçå=Åçëíë j~êâÉí=î~äìÉ= ^Åèìáëáíáçå=Åçëíë= • aìÉ=íç=íÜÉ=é~êíáÅáé~íáçå=çÑ=íÜÉ= fëëìÉê=E€ãF PMJpÉéJOMNO PMJpÉéJOMNO PNJaÉÅJOMNN PNJaÉÅJOMNN= éêáî~íÉ=ëÉÅíçêI=rkfn^=ëçäÇ=íÜÉ= ã~àçêáíó=çÑ=áíë=ÜçäÇáåÖ=áå=dêÉÉâ= mçêíìÖ~ä M M RS NMO ÇÉÄí=áåëíêìãÉåíë=éêáçê=íç=íÜ

29. Slide 29: Risk management as a key focus area

    oáëâ=ã~å~ÖÉãÉåí=~ë=~=âÉó=ÑçÅìë=~êÉ~ oáëâ=ã~å~ÖÉãÉåí=çêÖ~åáë~íáçå=~åÇ=ÅìäíìêÉ • rkfn^JïáÇÉ=êáëâ=ã~å~ÖÉãÉåí=ÖçîÉêå~åÅÉ=áåÅäìÇáåÖ=ëí~ÄäÉ=êáëâ=ã~å~ÖÉãÉåí=éêçÅÉëëÉë • oáëâ=ã~å~ÖÉãÉåí=áåÑçêã~íáçå=áë=é~êí=çÑ=ÉîÉêó=ã~å~ÖÉãÉåí=~åÇ=ëìéÉêîáëçêó=Äç~êÇ=ãÉÉíáåÖ • bãéäçóÉÉ=~ï~êÉåÉëë=íÜêçìÖÜ=ëéÉÅá~ä=íê~áåáåÖ=~åÇ=çå

30. Slide 30: UNIQA's management team

    rkfn^Dë=ã~å~ÖÉãÉåí=íÉ~ã ^åÇêÉ~ë=_ê~åÇëíÉííÉê e~ååÉë=_çÖåÉê `bl `cl • ^ééçáåíÉÇ=`Ü~áêã~å=çÑ=íÜÉ=j~å~ÖÉãÉåí=_ç~êÇ=~åÇ=`bl=çÑ= • ^ééçáåíÉÇ=`ÜáÉÑ=cáå~åÅá~ä=lÑÑáÅÉê=E`clF=çÑ=íÜÉ=`çãé~åó=áå= íÜÉ=`çãé~åó=áå=OMNN NVVVK=eáë=êÉëéçåëáÄáäáíáÉë=~ë=~=ãÉãÄÉê=çÑ=íÜÉ=j~å~ÖÉãÉåí= _ç~êÇ=ÅçãéêáëÉ=dêçìé=cáå~åÅÉ=~åÇ=~ë=Ñ

31. Slide 31: UNIQA's management team (continued)

    rkfn^Dë=ã~å~ÖÉãÉåí=íÉ~ã=EÅçåíáåìÉÇF tçäÑÖ~åÖ=háåÇä qÜçã~ë=jΩåâÉä rkfn^=fåíÉêå~íáçå~ä `ll • jÉãÄÉê=çÑ=íÜÉ=`çãé~åóDë=j~å~ÖÉãÉåí=_ç~êÇ=ëáåÅÉ=OMNN • ^ééçáåíÉÇ=~ë=`ÜáÉÑ=léÉê~íáåÖ=lÑÑáÅÉê=E`llF=çÑ=íÜÉ=`çãé~åó= áå=g~åì~êó=OMNPK=eáë=ã~áå=í~ëâë=~êÉ=~äáÖåáåÖ=íÜÉ=éêçÅÉëëÉë= • ^ééçáåíÉÇ=`Ü~áêã~å=çÑ=íÜÉ=j~å~ÖÉãÉ

32. Slide 32: UNIQA's management team (continued)

    rkfn^Dë=ã~å~ÖÉãÉåí=íÉ~ã=EÅçåíáåìÉÇF hìêí=pîçÄçÇ~ `ol • ^ééçáåíÉÇ=`ÜáÉÑ=oáëâ=lÑÑáÅÉê=E`olF=çÑ=íÜÉ=`çãé~åó=áå=OMNN • eáë=ã~áå=êÉëéçåëáÄáäáíáÉë=~í=íÜÉ=`çãé~åó=äáÉ=ïáíÜáå=íÜÉ=~êÉ~= çÑ=áåîÉëíãÉåíë=Ä~ÅâJçÑÑáÅÉI=dêçìé=~Åíì~êá~ä=ëÉêîáÅÉëI=dêçìé= ÅçåíêçääáåÖ=~åÇ=î~äìÉ=Ä~ëÉÇ=ã~å~ÖÉãÉåí=Es_jF=áåÅäìÇáåÖ= Åçãéäá

33. Slide 33: 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= • ONQKOã=Åçããçå=ëÜ~êÉë fåîÉëíçê=oÉä~íáçåë • fpfkW==^qMMMMUONNMP aáîáÇÉåÇ=éÉê=ëÜ~êÉ=Eáå €F píÉÑ~å=däáåò ONNB NPPB J QNB ^ÇÇêÉëëW=råíÉêÉ=açå~ìëíê~ëëÉ=ONI=NMOV=táÉå MK

34. Slide 34: 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 íÜÉ

UNIQA Group — Morgan Stanley European Financials Conference 2013 on 6ix