Key figures at a glance

DOWNLOAD

Country

Insurance service revenue

Result before taxes

Net
combined ratio

Employees

in EUR ‘000

in %

Number

Austria

3,747,748

434,514

90.32

5,837

Czech Republic

2,278,664

285,618

84.73

5,759

Poland

1,471,768

105,695

91.79

2,995

Extended CEE¹

3,907,954

236,424

91.32

13,157

Special Markets²

1,170,106

126,938

93.57

4,828

Group Functions³

1,766,505

-27,872

85.87

703

1	Extended CEE: Albania incl. Kosovo, Baltics, Bosnia-Herzegovina, Bulgaria, Croatia, Hungary, Moldova, North Macedonia, Romania, Serbia, Slovakia, Ukraine
2	Special Markets: Georgia, Germany, Liechtenstein, Türkiye
3	Group functions: VIG Holding, VIG Re, Wiener Re, VIG Fund, corporate IT service providers, one asset management company and intermediate holding companies

Result before taxes

in EUR million

Development of the net combined ratio

in percent

DOWNLOAD

2025

2024
adjusted

2023
adjusted

Income statement

Gross written premiums

EUR million

16,313.7

15,226.3

13,784.0

Insurance service revenue – issued business

EUR million

13,196.0

12,138.5

10,921.8

Total capital investment result

EUR million

489.4

435.6

284.3

Result before taxes

EUR million

1,161.3

881.8

772.7

Net result for the period after taxes and
non-controlling interests

EUR million

834.9

626.3

560.1

Net combined ratio

90.1

93.4

92.6

Net claims ratio

59.7

62.7

62.1

Net cost ratio

30.4

30.6

30.4

Balance sheet

Total capital investment portfolio

EUR million

47,151.6

44,568.3

42,586.1

Consolidated shareholders’ equity
(including non-controlling interests)

EUR million

7,331.4

6,558.9

6,099.3

Insurance contracts liabilities issued

EUR million

41,496.9

39,598.1

37,804.1

Total assets

EUR million

54,315.6

51,242.1

48,818.7

Operating Return on Equity (Operating RoE)

18.7

16.2

14.9

Contractual Service Margin (CSM)

EUR million

6,235.9

5,523.2

5,797.2

EU Taxonomy KPIs¹

Proportion of taxonomy-aligned premiums from
non-life insurance activities

5.7

5.9

4.8

Proportion of investments in taxonomy-aligned economic activities (turnover-based)

8.0

3.6

4.2

Proportion of investments in taxonomy-aligned economic activities (CapEx-based)

10.1

4.7

5.5

Share

Number of shares

Piece

128,000,000

Market capitalisation

EUR million

8,601.6

3,884.8

3,392.0

Average number of shares traded by day

Piece

~ 47,000

~ 31,000

~ 33,000

Book value per share²

EUR

51.72

46.25

43.01

End-of-period price

EUR

67.200

30.350

26.500

High

EUR

67.200

31.800

27.350

Low

EUR

29.900

25.650

22.250

Share performance for the year (excluding dividends)

121.42

14.53

18.57

Dividend per share

EUR

1.73³

1.55

1.40

Dividend yield

2.57

5.11

5.28

Earnings per share⁴

EUR

6.46

4.83

4.32

Price-earnings ratio as of 31 December

10.40

6.28

6.14

Employees

Number of employees (average for the year)

33,279

31,643

29,405

Rounding differences may occur when rounded amounts or percentages are added.
1	Article 8 of the EU Taxonomy Regulation 2020/852.
2	The value is calculated using shareholders’ equity less non-controlling shares and revaluation reserve as well as hybrid capital.
3	Proposed dividend
4	The calculation of this figure considers the interest expenses for hybrid capital. The undiluted earnings per share equals the diluted earnings per share (in EUR).

Result before taxes

Development of the net combined ratio

Insurance service revenue by line of business

Related Links

Topics filter

Results for