UNIQA pojistovna

UNIQA pojistovna's employees fell 7.71% to 503 in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna employed 503 persons in 2016, down 7.71% when compared to the previous year. Historically, the firm's workforce...

UNIQA pojistovna's net profit fell 15.8% to CZK 191 mil in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna made a net profit of CZK 191 mil under revenues of CZK 4,626 mil in 2016, down 15.8% and up 5.27% respectiv...

UNIQA pojistovna's Real Estate fell 1.27% to CZK 40.0 mil in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna's total investments reached CZK 7,818 mil at the end of 2016, up 1.07% when compared to the previous year. ...

Profit Statement 2014 2015 2016
Gross Written Premiums CZK mil 5,545 5,807 6,156
Net Written Premiums CZK mil 3,542 3,945 4,164
Total Revenues CZK mil 4,232 4,394 4,626
Expenses For Claims & Benefits CZK mil 3,113 3,060 3,559
Total Cost CZK mil 3,956 4,111 4,383
Pre-Tax Profit CZK mil 276 283 242
Net Profit CZK mil 231 227 191
Balance Sheet 2014 2015 2016
Total Assets CZK mil 10,547 11,208 11,341
Intangible Assets CZK mil 61.3 61.7 63.7
Investments CZK mil 7,286 7,735 7,818
Reinsurance Assets CZK mil 2,150 2,302 2,303
Shareholders' Equity CZK mil 1,634 1,641 1,614
Liabilities CZK mil 8,913 9,566 9,727
Underwritting Provisions CZK mil 5,825 6,211 6,355
Ratios 2014 2015 2016
ROE % 14.4 13.8 11.7
ROA % 2.25 2.08 1.69
Net Margin % 5.47 5.16 4.13
Investment Yield % 8.83 5.36 5.50
Combined Ratio % 66.4 65.8 69.3
Claims Ratio % 56.8 57.9 61.4
Acquisition Cost (As % Of Premiums) % 9.68 7.85 7.86
Equity (As % Of Assets) % 15.5 14.6 14.2
Growth Rates 2014 2015 2016
Gross Written Premiums Growth % -2.96 4.73 6.01
Pre-Tax Profit Growth % -6.97 2.61 -14.5
Net Profit Growth % -8.35 -2.04 -15.8
Investments Growth % 8.33 6.16 1.07
Reinsurance Assets Growth % 12.5 7.08 0.023
Total Asset Growth % 5.19 6.26 1.19
Shareholders' Equity Growth % 3.47 0.471 -1.66
Underwritting Provisions Growth % 4.40 6.64 2.31

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summary Unit 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                          
Gross Written Premiums CZK mil                             4,972 5,502 5,563 5,714 5,545    
Total Revenues CZK mil                             4,231 3,675 4,632 4,101 4,232    
Total Cost CZK mil                             3,158 3,465 4,222 3,804 3,956    
Net Profit CZK mil                             157 177 325 252 231    
balance sheet                                          
Cash & Cash Equivalents CZK mil                             20.1 36.0 33.3 4.05 2.45    
Investments CZK mil                             5,688 6,091 6,912 6,726 7,286    
Reinsurance Assets CZK mil                             701 1,014 1,458 1,912 2,150    
Total Assets CZK mil                             7,375 8,318 9,628 10,027 10,547    
Shareholders' Equity CZK mil                             1,198 1,329 1,530 1,579 1,634    
Liabilities CZK mil                             6,177 6,989 8,098 8,448 8,913    
Underwritting Provisions CZK mil                             4,514 4,971 5,537 5,579 5,825    
ratios                                          
ROE % ...                           13.3 14.0 22.7 16.2 14.4    
ROA %                             2.21 2.25 3.62 2.57 2.25    
Net Margin %                             3.72 4.81 7.02 6.16 5.47    
Investment Yield %                             18.8 1.04 12.9 5.54 8.83    
Combined Ratio %                             73.5 65.6 56.6 75.9 66.4    
Claims Ratio %                             66.9 57.2 47.7 66.6 56.8    
Cost Ratio %                             35.6 30.5 30.1 22.6 22.9    
Acquisition Cost (As % Of Premiums) %                             6.55 8.45 8.99 9.29 9.68    
Administrative Cost (As % Of Assets) %                             10.9 8.06 6.93 3.03 2.68    
Equity (As % Of Assets) %                             16.2 16.0 15.9 15.7 15.5    
Non-Life Insurance (As % Of Total Premium) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 74.9 76.0 78.3    
income statement Unit 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                          
Gross Written Premiums CZK mil                             4,972 5,502 5,563 5,714 5,545    
Premiums Ceded To Reinsurers CZK mil                             1,876 1,905 1,841 2,057 2,003    
Net Written Premiums CZK mil                             3,096 3,596 3,721 3,657 3,542    
Financial Result CZK mil                             1,071 63.5 888 373 643    
Other Income CZK mil                             64.0 14.7 21.8 71.9 46.3    
Total Revenues CZK mil                             4,231 3,675 4,632 4,101 4,232    
Expenses For Claims & Benefits CZK mil                             2,051 2,280 2,579 3,471 3,113    
Of Which Reinsurers' Share CZK mil                             1,276 867 151 336 34.4    
Acquisition Cost CZK mil                             326 465 500 531 537    
Administrative Cost CZK mil                             776 633 621 297 276    
Other Cost CZK mil                             4.80 87.5 439 -494 30.0    
Total Cost CZK mil                             3,158 3,465 4,222 3,804 3,956    
Other And Extra Cost CZK mil                             872 2.76 4.42 0 0    
Pre-Tax Profit CZK mil                             201 207 406 297 276    
Tax CZK mil                             43.8 30.3 80.5 44.4 44.8    
Minorities CZK mil                             0 0 0 0 0    
Net Profit CZK mil                             157 177 325 252 231    
growth rates                                          
Gross Written Premiums Growth % ...                           5.93 10.7 1.11 2.72 -2.96    
Net Written Premiums Growth % ...                           7.20 16.2 3.48 -1.74 -3.14    
Total Revenues Growth % ...                           15.2 -13.1 26.0 -11.5 3.18    
Gross Claims Growth % ...                           34.5 -5.43 -15.7 43.6 -17.3    
Acquisition Cost Growth % ...                           174 42.9 7.49 6.11 1.14    
Administrative Cost Growth % ...                           -0.664 -18.5 -1.77 -52.2 -7.25    
Operating Cost Growth % ...                           11.3 9.73 21.8 -9.88 3.98    
Pre-Tax Profit Growth % ...                           -57.2 2.97 96.0 -26.8 -6.97    
Net Profit Growth % ...                           -55.0 12.4 84.0 -22.3 -8.35    
market share                                          
Market Share in Total Insurance Premium %                             3.18 3.55 3.62 3.65 ... ... ...
Market Share in Non-Life Insurance Premium % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.11 5.12 ... ... ...
Market Share in Net Profit % ... ... ... ...                     0.737 1.81 2.69 2.24 ... ... ...
balance sheet Unit 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
balance sheet                                          
Intangible Assets CZK mil                             64.6 76.3 83.7 75.8 61.3    
Investments CZK mil                             5,688 6,091 6,912 6,726 7,286    
Reinsurance Assets CZK mil                             701 1,014 1,458 1,912 2,150    
Receivables CZK mil                             424 367 316 571 352    
Cash & Cash Equivalents CZK mil                             20.1 36.0 33.3 4.05 2.45    
Other Assets CZK mil                             478 734 826 739 695    
Total Assets CZK mil                             7,375 8,318 9,628 10,027 10,547    
Equity CZK mil                             1,198 1,329 1,530 1,579 1,634    
Of Which Minority Interest CZK mil                             0 0 0 0 0    
Subordinated Liabilities CZK mil                             0 0 0 0 0    
Underwritting Provisions CZK mil                             4,514 4,971 5,537 5,579 5,825    
Other Provisions CZK mil                             50.7 44.4 78.4 48.0 49.6    
Other Liabilities CZK mil                             1,612 1,974 2,482 2,821 3,039    
Liabilities CZK mil                             6,177 6,989 8,098 8,448 8,913    
investment portfolio                                          
Real Estate CZK mil                             53.5 53.4 54.6 54.3 40.5    
Cash And Deposits CZK mil                             5,633 6,059 6,846 6,670 7,243    
Loans CZK mil                             0 0 0 0 0    
Other CZK mil                             1.07 -21.6 10.6 1.46 2.05    
Total Portfolio CZK mil                             5,688 6,091 6,912 6,726 7,286    
growth rates                                          
Investments Growth % ...                           4.59 7.09 13.5 -2.69 8.33    
Reinsurance Assets Growth % ... ... ... ... ... ... ... ... ...           56.0 44.7 43.8 31.1 12.5    
Total Asset Growth % ...                           8.00 12.8 15.8 4.14 5.19    
Shareholders' Equity Growth % ...                           3.14 10.9 15.1 3.20 3.47    
Underwritting Provisions Growth % ...                           9.43 10.1 11.4 0.765 4.40    
market share                                          
Market Share in Assets % ...                           1.71 1.93 2.06 2.21 ... ... ...
Market Share in Net Profit % ... ... ... ...                     0.737 1.81 2.69 2.24 ... ... ...
Market Share in Technical Reserves % ... ...                         1.46 1.55 1.47 1.52 ... ... ...
Market Share in Life Insurance Reserves % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.05 ... ... ...
Market Share in Non-Life Insurance Reserves % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.78 ... ... ...
ratios Unit 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
ratios                                          
ROE % ...                           13.3 14.0 22.7 16.2 14.4    
ROA %                             2.21 2.25 3.62 2.57 2.25    
Net Margin %                             3.72 4.81 7.02 6.16 5.47    
Investment Yield %                             18.8 1.04 12.9 5.54 8.83    
Combined Ratio %                             73.5 65.6 56.6 75.9 66.4    
Claims Ratio %                             66.9 57.2 47.7 66.6 56.8    
Cost Ratio %                             35.6 30.5 30.1 22.6 22.9    
Acquisition Cost (As % Of Premiums Written) %                             6.55 8.45 8.99 9.29 9.68    
Administrative Cost (As % Of Assets) %                             10.9 8.06 6.93 3.03 2.68    
Equity (As % Of Assets) %                             16.2 16.0 15.9 15.7 15.5    
Employees ... ... ...                       772 744 720 721 663    
Cost Per Employee USD per month ... ... ...                       2,678 2,935 3,001 2,182 2,221    
Cost Per Employee (Local Currency) CZK per month ... ... ...                       51,180 51,900 58,699 42,701 47,459    
Staff Cost (As % Of Total Cost) %                             15.0 13.4 12.0 9.71 9.55    
Non-Life Insurance (As % Of Total Premium) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 74.9 76.0 78.3    
Life Insurance (As % Of Total Reserves) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 50.9 46.9    
Non-Life Insurance (As % Of Total Reserves) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 49.1 53.1    
Health Care Insurance (As % Of Total Premium) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 25.1 24.0 21.7    
other data Unit 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
other data                                          
Non-Life Insurance Premium CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,164 4,342 4,341    
Health Care Insurance Premium CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,398 1,372 1,204    
Pre-Tax Technical Profit From Life Insurance CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 252 -63.0    
Pre-Tax Technical Profit From Non-Life Insurance CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 47.3 339    
Technical Insurance Reserves CZK mil ... ...                         4,514 4,971 5,537 5,579 5,825    
Life Insurance Reserves CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,837 2,733    
Non-Life Insurance Reserves CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,742 3,092    
Number Of Insurance Policies mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.686 0.715 0.718    
Premium Per Insurance Policy CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8,107 7,987 7,727    

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Jan 2014
Statistical Dossier

UNIQA pojistovna's Net Written Premiums rose 5.56% to CZK 4,164 mil in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna generated total net revenues of CZK 4,626 mil in 2016, up 5.27% when compared to the previous year. Historically, the firm’s revenues reached an all time high of CZK 4,632 mil in 2012 and an all time low of CZK 120 mil in 1996. The average reven...

UNIQA pojistovna's Intangible Assets rose 3.23% to CZK 63.7 mil in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna's total assets reached CZK 11,341 mil at the end of 2016, up 1.19% when compared to the previous year. Investments amounted to CZK 7,818 mil, or 68.9% of total assets while reinsurance assets reached CZK 2,303 mil at the end of 2016. On...

UNIQA pojistovna's Acquisition Cost (As % Of Premiums) rose 0.150% to 7.86% in 2016

By Helgi Analytics - February 7, 2018

UNIQA pojistovna's cost to assets ratio reached 2.56% in 2016, up from 2.40% when compared to the previous year. Historically, the insurance’s costs reached an all time high of 26.5% in 1996 and an all time low of 2.40% in 2015. The average figure for the last fi...

UNIQA pojistovna's Combined Ratio rose 5.31% to 69.3% in 2016

By Helgi Analytics - February 23, 2018

UNIQA pojistovna generated total net revenues of CZK 4,626 mil in 2016, up 5.31% when compared to the previous year. Some CZK 4,164 mil, or 90.0% of the revenues came from net written premium. Gross claims reached CZK 3,559 mil in 2016, so average claims ratio amo...

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UNIQA pojišťovna is Czech Republic-based insurance company, a daughter company of Austria's UNIQA Insurance Group. The Company offers life and non-life insurance and related services through a range of sales channels including 180 branches, brokers, banks or direct sales. At the end of 2012, UNIQA employed 720 persons and had a market share of 3.6% on the Czech market. UNIQA Insurance Group is Austrian holding company operating in Austria and Central and Eastern Europe. Raiffeisen Zentralbank is the major shareholder in the Company with a 31.4% stake

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