Uniqa Insurance Group Ag · VIE:UQA
Uniqa Insurance — Shareholder Meeting (June 2025)
63 slides from Uniqa Insurance's shareholder meeting presentation, Jun 2, 2025
Slide 1: 26th Annual General Meeting UNIQA Insurance Group AG
26th Annual General Meeting UNIQA Insurance Group AG Monday, June 2nd 2025
Slide 2: Agenda
26th Annual General Meeting UNIQA Insurance Group AG Agenda 1. Presentation of the approved and officially adopted non-consolidated Financial Statements and the Consolidated Financial Statements of UNIQA Insurance Group AG for the year ended 31 December 2024, the Group Management Report including (c
Slide 3: Agenda
26th Annual General Meeting UNIQA Insurance Group AG Agenda limited to the maximum number of treasury shares specified in accordance with section 65 (2) of the Stock Corporation Act), which the company has already acquired and still holds (and which are to be counted towards the maximum number of tr
Slide 4: Item 1
26th Annual General Meeting UNIQA Insurance Group AG Item 1 Presentation of the approved and officially adopted non-consolidated Financial Statements and the consolidated Financial Statements of UNIQA Insurance Group AG for the year ended 31 December 2024, the Group Management Report including (cons
Slide 5: Report of the Chairman of the Executive Board on agenda item 1
Report of the Chairman of the Executive Board on agenda item 1 5
Slide 6: Our history dates back a long time. Since 1811 people have trusted us.
Our history dates back a long time. x Since 1811 people have trusted us.
Slide 7: Who we are today
GWP by region and products (a) (b) (c) CEE Austria Life Who we are today 43% 57% 21% 7.7 7.8 P&C b EUR (b) Health b EUR (d) 60% 19% No 2 in Austria 17.8 m Top 5 in CEE customers Local Market Position 160 m Robust GDP- inhabitants growth CEE CH P&C and Health Raiffeisen as driving growth strategic pa
Slide 8: Agenda
1 Group results 2024 2 What challenges us 3 Our Strategy program UNIQA 3.0 - Growing Impact 4 The first quarter 2025 Agenda 8
Slide 9: 2024: Another impressive set of results
2024: Another impressive set of results Gross written Combined Ratio Earnings Solvency Ratio Premium1 net before taxes 7,840 93.1% 442 264% m EUR m EUR (2023: 7,186 m) (2023: 92.8%) (2023: 426 m) (2023: 255%) I1) ncluding the savings portion of unit-linked and index-linked life insurance 9
Slide 10: Percent Increase in Premium Growth
9 Percent Increase in Premium Growth Property & Health Life Casualty Insurance Insurance 4.68 1.53 1.64 b EUR b EUR b EUR (+11.0%) (+10.0%) (+3.3%) 10
Slide 11: Positive Performance
Positive Performance Assets under Investment Return on Equity1 Dividend2 Management income 20.7 749.7 12.4% 0.60 b EUR m EUR EUR per share (2023: 20.4 bn) (2023: 588.8 m) (2023: 13.2%) (2023: 0.57 EUR) 1After taxes and non-controlling interests 2Proposal to the AGM 11
Slide 12: Consistent Improvement
Consistent Improvement Earnings Per Share: Proposed dividend: Earnings UNIQA Re 20% 17% profile: 1.13 EUR (2023: 0.99 EUR) 0.60 EUR (2023: 0.57 EUR) CEE 28% 39% Austria 52% 44% 2021 2024 Combined Ratio net Ø Dividenden- ⌀Payout ratio ausschüttungsquote 1 2012-2023: 2012 – 2023 55% Dividend 55 % p
Slide 13: Austria: Impressive Annual Results
Austria: Impressive Annual Results 21% 3.7 m 4.6 customer € 4.5 b Premium € 313 m EGT Market share customers satisfaction 4.4% Growth Regional presence is enhanced by robust products & innovative digital solutions 2022 2023 16% 18% 18% Household/own home Health services for employees 31% 28% 29% 26%
Slide 14: Strategic Partnership with Raiffeisen
Strategic Partnership with Raiffeisen € 744.1 m Premium 0.9 m 93.8% 271 banks + 0.3% growth customers Combined Ratio net 8,000 consultants • Health and life insurance at every Raiffeisen Bank • Insurance check available in person or online • Digital signature: utilisation ratio is at 50% 14
Slide 15: CEE: Our second main pillar
CEE: Our second main pillar Top 5 in CEE 14.1 m 4.6 customer € 3.3 b Premium € 214 m customers satisfaction 13.9% Growth EGT EBT m Euro 300 Growing Impact 250 Consistent improvement UNIQA with significant 200 Scaling through reorganization and M&A above-market growth • Premium/control unit in m € On
Slide 16: ESG is our concern
ESG is our concern The goal is net-zero emissions by 2040 in Austria (underwriting, operations) and by 2050 for the entire Group (investments, underwriting, operations) Phase-out plan for coal, oil and gas by 2030/35 (investment and underwriting) Clear measures for the interim targets approved by th
Slide 17: People & Culture
People & Culture Employee Increase and 13,839 Employees satisfaction decrease (+272 to 2023) UNIQA EX Index 05’25 of Headcount 42 Years ⌀ age 3.0 2022 2023 2024 (equals 2023) 2.25 3.75 2,228 1,981 2,143 40.9% Female leaders 4.5 -1,933 -1,906 (-0.2%p to 2023) 1.0 4.1 5.0 -2,033 10,869 Onboarding Part
Slide 18: Mavie
(StFavie Gesund geht’s besser. 18
Slide 19: MAVIE: A Holistic Health Provider
MAVIE: A HOLISTIC HEALTH PROVIDER 1 since 31.3. Healthy employees Health prevention Ageing with self- Leading operator of for healthy companies from your home determination & dignity private healthcare units 2 Telemedicine as part of the health journey with Mavie 19
Slide 20: The leading operator of private healthcare facilities
1 The leading operator of private healthcare facilities with inpatient, day-clinic and outpatient services as well as rehabilitation services. 6 private hospitals and other healthcare facilities New build of Confraternität Over 51,500 inpatients Extension of New: Private Hospital & Goldenes Kreuz an
Slide 21: Telemedicine as an important component of future medical care in Europe
2 Telemedicine as an important component of future medical care in Europe PL Launch in Austria and Over 500,000 SEE completed patients Available for 500,000 AT Over 70,000 inquiries UNIQA customers per month RO Integration to all CR Network of over 500 BiH Mavie Products SRB doctors and over 2,100 h
Slide 22: Integrated into myUNIQA. Everything at a glance.
2 MM Dr. Müller Max Mustermann MM Conducting consultations Medical advice UNIQA covers the costs from home without waiting Mon-Sun 7:00-22:00 directly this year. No room, Callback within 4 Integrated into myUNIQA. throughout Austria manual submission of hours. Everything at a glance. invoices necess
Slide 23: Agenda
1 Group results 2024 2 What challenges us 3 Our Strategy program UNIQA 3.0 - Growing Impact 4 The first quarter 2025 Agenda 23
Slide 24: Five Risks or Five Opportunities?
Five Risks or Five Opportunities? AI, Data & Fragile health- Economic growth Purchasing Climate change Ageing society care systems behaviour 24
Slide 25: Opportunities!
Opportunities! Regional Automated Carbon neutrality Ready-to-use Health Diversification Processes by 2040 health solutions ecosystem Exceeding GDP 95% Straight- ESG-orientated High-quality & Leading products growth until ‘28(a): Through-Processing product and innovative solutions for the care of old
Slide 26: Storms and natural disasters
Storms and natural disasters UNIQA: Storm damage • 387 m Euro, twice as much as 2023 (186 m Euro) • Storm „Boris“ 222 m Euro (net 85 m Euro) Austria: Damage from natural disasters • Over 1.6 b damages in the entire insurance industry Global: Damage from natural 95% disasters • 320 b Dollar worldwide
Slide 27: The hard facts
The hard facts • In 2024 we experienced the hottest year on record globally and in Austria • Europa is warming at twice the rate of the rest of the world • Austria ranks fourth worldwide in terms of storm damage relative to its GDP If no action is taken, the EU's • EU: only one quarter of all losses
Slide 28: What actions we take?
What actions we take? NatCat Competence Underwriting UNIQA Re Center • Understanding & recognising • Central hub with over 1.6 • Focus: Climate change sensitive core regions billion Euro in premiums • Analysis of complexity & • Effects on pricing and • Dynamic premium development of natural acceptan
Slide 29: UNIQA Climate transition program
UNIQA Climate transition program WACI-Reduction SBTi targets validated Exit: Coal & Oil Exit: Gas & Nuclear by 15% Net-Zero (Group) Start: Exit fossil fuels b SBTi intermediate goals (2027) Cooperation with Enterprises & Customers Net-Zero (Group) Underwriting Start: Exit fossil fuels Exit: Coal & O
Slide 30: UNIQA Sustainable Business Solutions
UNIQA Sustainable Business Solutions Founded 2024 Pooled risk expertise Customised sustainability solutions 360-degree perspective Active in Austria, Poland, Czech Republic & Slovakia 18
Slide 31: Agenda
1 Group results 2024 2 What challenges us 3 Our Strategy program UNIQA 3.0 - Growing Impact 4 The first quarter 2025 Agenda 31
Slide 32: Our initial situation
Our initial situation CoR netto Transformed earnings profile Average 1 dividend payout UNIQA Re 20% 17% ratio 2012-2023 CEE 28% 39% 55 % Austria 52% 44% DPS 2021 2024 7.5 m 15.5 m 17.8 m customers customers customers 2011 – 2020 | UNIQA 2.0 | 2021 – 2024 | UNIQA 3.0 | | UNIQA Building a Stable Fou
Slide 33: Our strategic pillars
Our strategic pillars Economic KPIs with focus on profitable growth Success Employee Satisfaction Index Harmonised Customer 4.5 Stars (out of 5) Satisfaction Index Best Best 4.5 Stars (out of 5) service employer Engagement Index provider 4.5 Stars (put of 5) 33
Slide 34: Our Targets until 2028
Our Targets until 2028 Progressive dividend Growth ~5% premium CAGR(a) Austria: Stability & efficiency CEE: Profitable growth <94% Combined Ratio (net) Profitability >12% Stable and sustainable ROE Potential of Mavie >6% EPS CAGR(a) Robust capital position Capital 180-230% Solvency Ratio 50-60% Payo
Slide 35: Agenda
1 Group results 2024 2 What challenges us 3 Our Strategy program UNIQA 3.0 - Growing Impact 4 The first quarter 2025 Agenda 35
Slide 36: Excellent start, positive outlook
Excellent start, positive outlook Gross written Combined Earnings before Solvency premium1 Ratio (net) taxes Capital Ratio 2,472 88.2% 151 ~274% m EUR m EUR (Q1/2024: +13.2%) (Q1/2024: 91.7%) (Q1/2024: +4.1%) (1) Including savings portion of premiums from unit- and index-linked life insurance 36
Slide 37: living better together
living better together
Slide 38: Report on treasury shares and Corporate Governance Code
Item 1 Report Kurt Svoboda on treasury shares and UNIQA‘s commitment to the Corporate Governance Code
Slide 39: Item 2
26th Annual General Meeting UNIQA Insurance Group AG Item 2 Resolution on the distribution of the net profit shown in the Company‘s Annual Financial Statements for the year ended 31 December 2024.
Slide 40: Resolution proposed by the Management Board and the Supervisory Board
Item 2 Resolution proposed by the Management Board and the Supervisory Board „The net profit for the 2024 financial year in the amount of EUR 188,144,477.23 shall be appropriated as follows: Distribution of a dividend of EUR 0.60 for each no-par-value share carrying dividend rights (309,000,000 no-p
Slide 41: Item 3
26th Annual General Meeting UNIQA Insurance Group AG Item 3 Resolution on the approval of the actions of the Members of the Management Board and the Supervisory Board of the Company for the 2024 financial year.
Slide 42: Resolution proposed by the Management Board and the Supervisory Board
Item 3 Resolution proposed by the Management Board and the Supervisory Board „The actions of the Members of the Management Board of the Company (in the 2024 financial year) shall be approved for the 2024 financial year.“
Slide 43: Resolution proposed by the Management Board and the Supervisory Board
Item 3 Resolution proposed by the Management Board and the Supervisory Board „The actions of the Members of the Supervisory Board of the Company (in the 2024 financial year) shall be approved for the 2024 financial year.“
Slide 44: Item 4
26th Annual General Meeting UNIQA Insurance Group AG Item 4 Election of the auditor of the non-consolidated and consolidated Financial Statements for the 2026 financial year and (anticipatory) election of the auditor of the Sustainability Report for the financial year 2026.
Slide 45: Resolution proposed by the Supervisory Board
Item 4 Resolution proposed by the Supervisory Board „PwC Wirtschaftsprüfung GmbH shall be elected auditor of the non-consolidated and consolidated Financial Statements for the year ending 31 December 2026. PwC Wirtschaftsprüfung GmbH shall (precautionary) be elected auditor of the Sustainability Rep
Slide 46: Item 5
26th Annual General Meeting UNIQA Insurance Group AG Item 5 Resolution on the Remuneration Report disclosing the remuneration of the Members of the Management Board and the Members of the Supervisory Board for the 2024 financial year.
Slide 47: Resolution proposed by the Management Board and the Supervisory Board
Item 5 Resolution proposed by the Management Board and the Supervisory Board „The Remuneration Report disclosing the remuneration of the Members of the Management Board and the Supervisory Board for the 2024 financial year, as attached to this proposed resolution as Enclosure 1 (and are also availab
Slide 48: Item 6
26th Annual General Meeting UNIQA Insurance Group AG Item 6 Resolution on the daily allowances and the remuneration of the Members of the Supervisory Board.
Slide 49: Meetings of the Supervisory Board and its Committees in 2024
Item 6 Meetings of the Supervisory Board and its Committees in 2024 - Supervisory Board: seven meetings - Committee for Board Affairs: four meetings - Working Committee: no meetings - Audit Committee: three meetings - Investment Committee: four meetings - IT Committee: four meetings - Digital Transf
Slide 50: Resolution proposed by the Management Board and the Supervisory Board
Item 6 Resolution proposed by the Management Board and the Supervisory Board „The remuneration of the Members of the Supervisory Board for the 2024 financial year shall amount to a total of EUR 1,212,500.00, the distribution among the individual Members of the Supervisory Board being subject to a re
Slide 51: Item 7
26th Annual General Meeting UNIQA Insurance Group AG Item 7 Resolution on the renewal of the authorisation of the Management Board, with the approval of the Supervisory Board, to acquire treasury shares in accordance with section 65 (1) (8), (1a) and (1b) of the Stock Corporation Act, whereby the Co
Slide 52: Item 7
26th Annual General Meeting UNIQA Insurance Group AG Item 7 namely (i) for the purpose of implementing an employee share ownership programme, including for Members of the Management Board and/or senior executives or exclusively for Members of the Management Board and/or senior executives or a share
Slide 53: Resolution proposed by the Management Board and the Supervisory Board
Item 7 Resolution proposed by the Management Board and the Supervisory Board „The Management Board shall be authorized, with the approval of the Supervisory Board, to acquire treasury shares in accordance with section 65 (1.8), (1a) and (1b) of the Stock Corporation Act, whereby the Company - togeth
Slide 54: Resolution proposed by the Management Board and the Supervisory Board
Item 7 Resolution proposed by the Management Board and the Supervisory Board for the purpose of implementing an employee share ownership programme including for members of the Management Board and/or senior executives or exclusively for Members of the Management Board and/or senior executives or a s
Slide 55: General debate
TION’ General debate
Slide 56: Voting
Voting
Slide 57: Voting Agenda Item 2
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 2
Slide 58: Voting Agenda Item 3
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 3
Slide 59: Voting Agenda Item 4
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 4
Slide 60: Voting Agenda Item 5
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 5
Slide 61: Voting Agenda Item 6
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 6
Slide 62: Voting Agenda Item 7
26th Annual General Meeting UNIQA Insurance Group AG Voting Agenda Item 7
Slide 63: UNIQA 3.0 Growing Impact
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UNIQA Insurance Group — Shareholder Meeting (June 2025) on 6ix