Vienna Insurance Group Ag · VIE:VIG
Vienna Insurance — Q1 2026 Earnings Presentation
22 slides from Vienna Insurance's earnings presentation, May 28, 2026
Slide 1: 3M 2026 key figures & update presentation
3M 2026 key figures & update presentation Peter Höfinger, Deputy CEO Liane Hirner, CFRO Vienna, 28 May 2026
Slide 2: Agenda
Agenda Highlights 3M 2026 key figures Solvency II at YE 2025 overview Appendix Please note that rounding differences may occur Gross written premiums are not part of IFRS 17/9 reporting 2
Slide 3: Highlights
Highlights VIG off to a strong start in 2026 VIG starts the first three months of 2026 with solid insurance service revenue (+9.1%) and profit before taxes (+18.8%) growth Changes to the Managing Board of VIG that will come into effect on 1 July 2027: With the Group’s expansion, the VIG Managing Boa
Slide 4: NÜRNBERGER acquisition completed
NÜRNBERGER acquisition completed VIG broadens its diversification and strengthens the position in Germany Pro-forma combined GWP All regulatory approvals received GWP of € 3.5bn2 of VIG incl. NÜRNBERGER1 As of 5 May 2026, VIG has received all regulatory Special Health occupational disability approva
Slide 5: VIG strengthening its position in CEE
VIG strengthening its position in CEE Expanding the partnership with International Finance Corporation (IFC) Romania International Finance In May 2026, VIG has signed an agreement with IFC, for the IFC to acquire a stake of ~10% in Corporation Romanian pension fund company, Carpathia Pensii (subject
Slide 6: CEE remains a resilient region
CEE remains a resilient region GDP growth forecasts in the region continue to outperform Western Europe GDP growth forecast Resilience during high geopolitical risks (real change in % against previous year) Despite the recent energy price shock, most of the 3.3 CEE economies continue to show resilie
Slide 7: Agenda
Agenda Highlights 3M 2026 key figures Solvency II at YE 2025 overview Appendix Please note that rounding differences may occur Gross written premiums are not part of IFRS 17/9 reporting 7
Slide 8: Key figures for the first quarter 2026
Key figures for the first quarter 2026 Sound start into 2026 Insurance service revenue Profit before taxes € 3,424.9mn € 310.3mn Revenue up by 9.1% PBT increased by 18.8% 3M 2025: € 3,139.2mn 3M 2025: € 261.1mn P&C net combined ratio Solvency II ratio 91.8% 290% Net COR improved by 0.5%p Own funds:
Slide 9: Insurance service revenue up by 9.1% to € 3.4bn
Insurance service revenue up by 9.1% to € 3.4bn Insurance service revenue by segments; 3M 2026 (€ mn) 902.5 Austria: Insurance service revenue grew by € 41.0mn Austria +4.5% mainly driven by non-life as well as health and life insurance 943.5 Czech Republic: Strong revenue growth of € 53.7mn 535.2 p
Slide 10: Solid growth across all lines of business
Solid growth across all lines of business Insurance service revenue by lines of business, incl. Group Functions; 3M 2026 (€ mn) MTPL Casco Other property Insurance service revenue +9.1% 3M 2025 613.3 523.2 1,579.3 3,424.9 3,139.2 261.2 +7.7% +6.1% +6.9% 201.9 228.2 34.2 224.4 284.8 3M 2026 660.8 555
Slide 11: Gross written premiums up by 4.4% to € 4.9bn
Gross written premiums up by 4.4% to € 4.9bn Gross written premiums by segments; 3M 2026 (€ mn) +5.0% +4.5% 4,873.2 4,742.0 3,751.2 3,644.5 +8.4% 2,709.1 2,559.8 2,470.1 +5.0% 1,935.8 -3.0% 1,832.4 1,601.7 1,673.6 1,587.3 1,391.8 1,322.6 1,294.4 1,259.8 1,186.4 915.8 817.2 658.8 714.0 470.4 493.8 43
Slide 12: Executive summary & outlook
Executive summary & outlook VIG remains well prepared to manage the ongoing volatile geopolitical and macroeconomic conditions Guidance for 2026 upheld Dividend of € 1.73 per share was approved by the Annual General Meeting; dividend payment day on 28 May 2026 Solid insurance service revenue (+9.1%)
Slide 13: Agenda
Agenda Highlights 3M 2026 key figures Solvency II at YE 2025 overview Appendix Please note that rounding differences may occur Gross written premiums are not part of IFRS 17/9 reporting 13
Slide 14: Solvency II ratio as of YE 2025
Solvency II ratio as of YE 2025 YE 2025 Solvency position incl. transitional measures compared to YE 2024 € mn 12M 2025 12M 2024 +/- Solvency II ratio Market risk 2,689.9 2,798.6 -108.7 Counterparty default risk 366.6 374.6 -8.0 Life underwriting risk 2,325.3 1,980.5 344.8 296% Health underwriting r
Slide 15: Sensitivity analysis
Sensitivity analysis Market sensitivities as of 31/12/2025 Solvency ratio Eligible own funds Solvency capital requirement Scenario Sensitivity vs base Δ Sensitivity vs base Δ Sensitivity vs base Δ Base 295.6% 0.0 pp 11,995.0 0.0% 4,058.1 0.0% Loss equity value -25% 306.5% +10.9 pp ████ 11,604.3 -3.3
Slide 16: Agenda
Agenda Highlights 3M 2026 key figures Solvency II at YE 2025 overview Appendix Please note that rounding differences may occur Gross written premiums are not part of IFRS 17/9 reporting 16
Slide 17: VIG share (I)
VIG share (I) Number of common shares: 128,000,000 | ISIN: AT0000908504 General information Analyst recommendations (as of May 2026) Listings Ticker Major indices BUY Vienna Stock Exchanges: VIG ATX 3 Prague Bloomberg: VIG AV / VIG CP / VIG XH ATX Prime Budapest Reuters: VIGR.VI / VIGR.PR / VIGR.H P
Slide 18: VIG share (II)
VIG share (II) Shareholder structure Free float split by region1 Continental Europe 31% Austria 27% ~72% Wiener Städtische ~28% North America 25% Versicherungsverein Free float (Mutual) UK & Ireland 15% Other 2% 1 Split of identified shares (Source: S&P Global, May 2026) 18 Appendix
Slide 19: We are Number 1 in Central and Eastern Europe
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Slide 20: Contact details
Contact details Investor Relations Financial calendar 20261 Nina Higatzberger-Schwarz Date Event Sylvia Hollerer Phone: +43 50 390-21920 Phone: +43 50 390-21919 12 Mar 2026 Preliminary results for the financial year 2025 nina.higatzberger@vig.com sylvia.hollerer@vig.com 28 Apr 2026 Results and Group
Slide 21: Disclaimer
Disclaimer Important notice These materials are for information purposes only. These materials do not constitute or form part, or all, of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for, any securities in any jurisdiction in which such solicita
Slide 22: Vienna Insurance Group
VIG* VIENNA INSURANCE GROUP Vienna Insurance Group
Vienna Insurance Group — Q1 2026 Earnings Presentation on 6ix