Vienna Insurance Group

Vienna Insurance Group (VIG) investor relations material

Vienna Insurance Group Investor presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.

Investor presentation summary29 Sep, 2026

Market position and business overview

Leading insurance group in Central and Eastern Europe, active in 30 markets with over 50 local companies and pension funds, serving around 36 million customers and employing approximately 34,000 people.
Maintains an A+ S&P rating with a positive outlook, supported by strong diversification and exclusive bancassurance agreements.
Completed the largest acquisition in its history with Nürnberger, enhancing diversification and biometric expertise.
Implements a decentralised business model, leveraging local expertise and multi-brand strategies.
Focuses on sustainability, aiming for net zero emissions by 2050 and integrating ESG criteria into investment and insurance decisions.

Financial performance and targets

Achieved gross written premiums of €16.3bn (+7.1%) and profit before taxes of €1.16bn (+31.7%) in 2025; half-year 2026 figures show €9.0bn premiums (+5.4%) and €641.5mn profit before taxes (+20.7%).
Solvency II ratio reached 296% at end-2025 and 272% at mid-2026, reflecting robust capital strength.
Operating ROE improved to 18.7% in 2025 and remained strong at 17.8% annualised for H1 2026.
Targets for 2028 include gross written premiums above €20bn, profit before taxes of at least €1.5bn, combined ratio ≤91%, and solvency ratio in the 150–200% range.
Maintains a prudent leverage profile, with strong fixed charge coverage and additional debt capacity.

Segment and regional performance

Premium and revenue growth driven by strong performances in Poland (+8.3%), Czechia (+8.1%), and Extended CEE (+6.4%) in H1 2026.
Insurance service revenue up 7.1% to €6.85bn in H1 2026, with all segments and lines of business contributing.
Result before taxes increased across most regions, with notable growth in Extended CEE (+98%) and Special Markets (+35.4%).
P&C net combined ratio improved to 91.4% in H1 2026, supported by lower claims burden.
Life/Health new business margin remained strong at 9.0% in H1 2026.

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Q3 202626 Nov, 2026

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