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UNIQA Group Key Figures

  2008 2007 2006 2005 2004
  € mill. € mill. € mill. € mill. € mill.
           
Premiums written 5,002 4,528 4,532 4,370 3,600
Savings portion of premiums from unit- and index-linked life insurance 823 748 559 360 178
Premiums written incl. the savings portion of premiums from unit- and index-linked life insurance1 5,825 5,276 5,091 4,730 3,778
     
Premiums earned (net) 2 4,730 4,106 4,130 4,000 3,302

of which property and casualty insurance 2,214 1,858 1,716 1,628 1,394
  of which health insurance 946 906 887 849 742
  of which life insurance 1,570 1,342 1,527 1,523 1,166
Premiums earned (net) incl. the savings portion of premiums from unit- and index-linked life insurance 5,504 4,801 4,629 4,311 3,431
           
Insurance benefits -3,562 -3,597 -3,716 -3,777 -3,033
           
Operating expenses (net) 3 -1,237 -1,056 -967 -928 -826
Cost ratio (net after reinsurance) 22,5% 22,0% 20,9% 21,5% 24,2%
Cost ratio (adjusted for the change in deferred acquisition costs) 22,4% 22,4% 22,1% 22,6% 24,9%
Combined ratio (gross before reinsurance) 94,2% 98,7% 95,49% 98,2% 95,8%
           
Net investment income 4 189 955 865 963 748
           
Profit on ordinary activities 90 340 238 190 121
Net profit 67 269 175 133 102
           
Investments 5 21,342 21,544 21,155 19,367 16,598
Technical provisions (net) 6 19,857 19,559 19,064 17,674 15,544
           
Shareholder´s equity 1,265 1,336 1,122 930 683
Total equity incl. minority interests 1,459 1,532 1,330 1,134 860
           
Average number of employees 13,674 10,997 10,748 9,943 9,701
Insurance policies 14,699,534 13,130,215 12,533,673 11,892,828 11,739,085

1) Values gross before reinsurance.
2) Fully consolidated values.
3) Incl. reinsurance provisions and profit shares from reinsurance business ceded.
4) Minus financing costs.
5) Incl. self-used land and buildings, land and buildings held as financial investments, shares in associated companies and investments held on account and at risk of life insurance policyholders.
6) Incl. technical provisions for life insurance policies held on account and at risk of policyholders.
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