Uniqa Inrnce Grp Unsp/Adr (UNIXY) Q1 2026 Earnings Call

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WEBVTT 00:00:01.194 -- 00:00:05.877 Ladies and gentlemen, we warmly welcome you to the conference call of the first quarter 00:00:05.877 -- 00:00:11.281 results for 2026 of the Unica Insurance Group AG. 00:00:11.281 -- 00:00:17.025 I'm pleased to welcome CEO Andreas Brandstetter and CSRO Kurz Bogota, 00:00:17.025 -- 00:00:20.548 who will guide us through the presentation shortly. 00:00:20.548 -- 00:00:25.631 After the presentation, we will move on to a Q&A session where we allow questions 00:00:25.631 -- 00:00:28.693 in person via the audio line today. 00:00:28.693 -- 00:00:30.690 And having said that, 00:00:30.690 -- 00:00:32.690 Hello 00:00:34.611 -- 00:00:39.773 from Vienna and thank you very much for your time and interest in the Q1 figures of Unica 00:00:39.773 -- 00:00:44.774 Insurance Group which show resilient numbers and which show again 00:00:44.774 -- 00:00:48.595 a full match with our 2028 targets 00:00:48.595 -- 00:00:54.457 and which also are a very constant roof of our diversified business model. 00:00:54.457 -- 00:00:58.538 Just reminding you of our targets for the year 2028. 00:00:58.754 -- 00:01:01.475 6% premium CAGR 00:01:01.475 -- 00:01:07.057 2. 7% EPS CAGR a common ratio which is below 93% 00:01:07.057 -- 00:01:12.199 net and last but not least a min cost ratio which is constantly below 00:01:12.199 -- 00:01:17.561 15% this is what we communicated to you and if we start on slide 4 00:01:17.561 -- 00:01:22.622 on the left part of this slide we see that all our figures of our KPRs in this 00:01:22.622 -- 00:01:28.504 first 3 months of 2026 proved that we are everywhere on track 00:01:28.504 -- 00:01:34.146 Let me briefly start with the growth, which shows on slide 00:01:34.146 -- 00:01:38.648 5 an increase of 14.4%. 00:01:38.648 -- 00:01:43.970 A...