ERGO Austria International Group Profile
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1 ERGO Austria International Group Profile Effective October 2017 Headquarter: ERGO Center, Businesspark Marximum, Vienna
2 Content ERGO Austria International ERGO in Austria ERGO Austria in CEE Key facts ERGO Austria Key facts ERGO Group AG Our guiding principles 2
3 1. ERGO in Austria
4 ERGO in Austria A new insurance group with traditional roots and longstanding business partners in Austria ERGO Austria International AG is a holding company and part of the international operating ERGO Group AG based in Dusseldorf. ERGO Versicherung AG is the operational acting insurance company in Austria with branch offices in Slovenia and Hungary. The operational acting company offers insurance products for private precaution and occupational pension scheme ERGO Austria has several subsidiaries in CEE countries. The main sales and cooperation partners of ERGO Austria are Bank Austria / UniCredit, Volksbanken, our field organization as well as agencies and Austrian brokers. D.A.S. Rechtsschutz Versicherung is a member of ERGO Group AG and they are also represented in Austria as well as a branch of ERGO Versicherung AG Germany. 4
5 ERGO in Austria Development of ERGO in Austria from 2007 to ERGO Austria International AG is founded. ERGO Austria takes over the majority of Bank Austria Versicherung. Transfer of Victoria-Volksbanken Versicherungsgesellschaften shares to ERGO Austria.. All ERGO companies relocate to the ERGO Center in Vienna's 11th district. ERGO acquires the minority interests held by Volksbank in Victoria-Volksbanken Versicherung in Austria and Central and Eastern Europe Rebranding of Victoria-Volksbanken Versicherung to ERGO Versicherung AG. Rebranding in Slovenia, Croatia and the Czech Republic. ERGO Versicherung AG Germany establishes a branch office for industrial insurance services in Vienna 5
6 ERGO in Austria Development of ERGO in Austria from 2013 to Rebranding in Hungary and Slovakia. All foreign subsidiaries of ERGO Austria International AG insurance holding now operate under the ERGO brand name. ERGO Austria acquires the Austrian-based ERGO Direkt Lebensversicherung AG. Bank Austria Versicherung merges with ERGO Versicherung AG ERGO Direkt Lebensversicherung AG merges with ERGO Versicherung AG. Victoria-Volksbanken Pensionskassen AG and Victoria-Volksbanken Vorsorgekasse AG are sold to BONUS Pensionskassen AG. Extension of the cooperation agreement between UniCredit Bank Austria AG and ERGO Versicherung AG in Austria. 6
7 ERGO in Austria ERGO Austria under a common roof 7
8 ERGO in Austria Strong partnership for Bancassurance with two bank groups in Austria ERGO Austria is currently No. 6 in the total insurance market and No. 4 in life insurance market in Austria (Group statistic)* * Source: Versicherungsverband Österreich, results
9 ERGO in Austria Market position in Austria (Group statistic) Top 10 market shares total market 2016 Top 5 market shares life insurance 2016 In % * In % * Vienna Insurance 24,1 UNIQA 17,8 Generali Allianz 8,9 15,3 Vienna Insurance 27,8 Zürich 4,2 UNIQA 18 ERGO Austria GRAWE 4,1 3,5 Generali 13,9 Wüstenrot 3,2 ERGO Austria 8,9 Helvetia OÖ 3,2 2,7 Allianz 6, * Source: Versicherungsverband Österreich; Excluding health 9
10 2. ERGO Austria in CEE
11 ERGO Austria in CEE Partnership with UniCredit and local partnership in CEE/SEE ERGO Austria has subsidiaries in Hungary, the Czech Republic, Slovakia, Slovenia, Croatia and Romania and branches in Slovenia and Hungary. ERGO Austria subsidiaries The Czech Republic Slovakia Hungary Slovenia Croatia since 2000 since 2000 since 2001 since 2007 since 2008 Romania since
12 ERGO Austria in CEE ERGO in Austria: A hub for further developments of bancassurance business in CEE ERGO Austria as an expert for Bancassurance The ERGO Group uses Austria as a hub High relevance of Bancassurance in Austria ERGO Austria is a partner of two strong bank groups in Austria Longterm experience and knowhow in selling insurances via banks ERGO Versicherung AG existing for more than a century Bancassurance is primary objective in the strategy of the ERGO Group AG Great development potential for Bancassurance in CEE ERGO Austria has strategic importance for ERGO Group 2016: ERGO Austria contributes 17 % to the total premium income ERGO Group AG international business Austria as a hub for further expansion plans of Bancassurance in CEE 12
13 ERGO Austria in CEE CEE-region as growth market Central and Eastern Europe continues to be an important business area for ERGO and its partners Growth potential* 1,8 1,7 1,5 1, ,3 2,5 2,4 2,6 3,3 3,0 2,9 2,9 2,0 3,6 4,8 4,3 Eurozone Austria Slovenia Czech Republic Slovakia Croatia Hungary Romania Low insurance density high insurance demand** 7,4 5,1 5,0 3,1 2,8 2,6 2,5 1,2 EU- average Austria Slovenia Czech Republic Slovakia Croatia Hungary Romania Property-Casualty business as future growth driver in CEE region * Source: European Commission, May 2017 ** Source: Insurance Europe Statistics, Country data, August
14 3. Key Facts ERGO Austria
15 Key Facts ERGO Austria Key facts ERGO Austria International AG Key Facts ERGO Austria International 2016* TOTAL PREMIUMS Total: 701 mn Austria: 622 mn International: 79 mn EMPLOYEES** Total: 1249 Austria: 696 International: 553 INSURANCE CONTRACTS Austria ERGO Versicherung Life insurance: 787,000 Property-Casualty insurance: 209,000 NET PROFIT Austria ERGO Versicherung: 79.6 mn INVESTMENTS Austria ERGO Versicherung: 6.4 bn BUSINESS SEGMENTS Austria 88 % Life insurance 12 % Property-Casualty insurance *As of 31. Dec. 2016; Including branch offices in Slovenia and Hungary ** Including employees on maternity leave 15
16 Key Facts ERGO Austria Management ERGO Austria and ERGO Insurance ERGO Austria International AG (holding) Dipl.-Ök. Thomas Schöllkopf Chairman of the Board, International ERGO Versicherung Aktiengesellschaft (insurance) Mag. Josef Adelmann Member of the Board Austria Dkfm. Josef Kreiterling Member of the Board Finance Mag. Josef Adelmann Chairman of the Board Life Sales VB & alternative (interim) Walter Kralovec Member of the Board Sales BA & VFG, Marketing Dkfm. Josef Kreiterling Member of the Board Finance Dipl.-Ing. Christian Sipöcz Member of the Board Property-Casualty Dipl.-Math. Christoph Thiel Member of the Board IT+ERGO Service Team Direct sales 16
17 3. Key facts ERGO Group AG
18 Key facts ERGO Group AG One of the major insurance groups in Germany and Europe TOTAL PREMIUMS 17 billion INVESTMENTS 127 billion BENEFITS TO CUSTOMERS 16 billion CONSOLIDATED GROUP RESULT -40 million A broad line-up across business segments Travel 0.4 billion (2 %) Direct sales 1.1 billion (6 %) Health Germany 4.7 billion (27 %) Life Germany 3.7 billion (22 %) International 4.0 billion (24 %) Property-Casualty Germany 3.2 billion (19 %) * As of 31. Dec
19 Key facts ERGO Group AG ERGO belongs to Munich Re group Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and close client proximity. Munich Re One of the world s leading risk carriers Far over one century of international experience Listed on the share indices DAX 30 / EURO STOXX 50 Reinsurance Primary insurance Asset management Manager of Group investments amounting to 219 bn * Funds for private and institutional investors * As of 31. Dec
20 4. Our guiding principles
21 Our guiding principles To insure is to understand Our motto: To insure people is a wonderful thing We realise that: Insurance is not a tangible product. It does not generate direct emotions in the way that buying material things does. People don t exactly like sorting out insurance. This is because they take insurance out as protection against unexpected risks in the hope that they won t actually need it. Or because as in the case of life insurance it promises benefits in the future, which no one can really foresee. But we know: Taking out insurance gives people a sense of financial security. It protects against risks that would cause them major financial problems if they were uninsured. Or ensures they will have the money they need to maintain their standard of living later in life. Or provides financial security for their family from the moment the contract is signed.. This makes it a great task: Being able to go a long way towards giving people this sense of security by offering advice and products. Tangibly delivering on these promises for our customers should they need to make a claim. Protecting people in situations that threaten their livelihood. Making security palpable. Our challenge: Thinking in terms of what customers need at their stage in life and offering tailored solutions. Listening to our sales partners and customers to understand their insurance needs better. Reacting to social changes in good time and offering new solutions. 21
22 Our guiding principles To insure is to understand The promises we make to our key target groups Customers Employees Mitarbeiter Sales partners Investors Society We listen first, then provide the right advice We explain to customers what they need and what they don t need We learn from customer feedback and keep developing Mututal respect forms the basis of our relationship Our personnel policy follows the principle of continuity We foster our employees identification with their company and job Sales partners are the crucial link between our customers and ourselves We support our customers by providing efficient services and products We are guided by their wishes and those of their customers Sustainable results are more important to us than short-term success We treat the capital entrusted to us responsibly Professional risk management plays a primary role We take responsibilty in the markets we operate We invest in our society s future We use sustainable and responsible business practic 22
23 ERGO Austria International AG Contact: ERGO Austria International AG ERGO Center Businesspark Marximum / Objekt 3 Modecenterstraße 17 A-1110 Wien Phone Fax office@ergo-versicherung.at Websites: Contact: Mag. Werner Rack werner.rack@ergo-austria.at Phone: + 43 (0) Fax: +43 (0) This presentation contains forward-looking statements that are based on current assumptions and forecasts of the management of ERGO Austria International AG. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of the Company. The Company assumes no liability to update these forward-looking statements or to conform them to future events or developments.
ERGO Austria International Group Profile. Effective May 2018
ERGO Austria International Group Profile Effective May 2018 Content ERGO Austria International 1. ERGO in Austria Page 3 2. ERGO Austria in CEE Page 10 3. Key facts ERGO Austria Page 13 4. Key facts ERGO
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