Vienna Insurance Group AG – Special Call

Operator

Hello, everyone, and a very warm welcome to the Austria ON AIR Conference. It is a real pleasure to have you all here today for this very last but not least call and in the special roundtable session. This session is dedicated to the Vienna Insurance Group AG, and we are truly delighted to have the chance to hear from the Investor Relations Manager, Katarzyna Bizon, who will share insights with us in just a moment. So without further ado, let me hand over to you, Katarzyna. The stage is yours.

Katarzyna Bizon

Thank you. Good afternoon, everyone. I’m so delighted to welcome you to today’s presentation of — behalf of Vienna Insurance Group or as we use it, VIG. Thank you for your interest and taking the time to getting to know VIG. My name is Katarzyna Bizon, and I’m part of the Investor Relations team here in Vienna. Over the next 20, 30 minutes, let’s see how it goes. I will walk you through VIG’s introduction, our strategic direction, performance highlights and future outlook as of October.

Let me move to the Slide #2. This would be a snapshot of who we are. VIG is well diversified, operating in 30 markets, serving around 33 million customers through more than 50 insurance companies and pension funds. VIG also has a diverse portfolio. Our insurance service revenue of EUR 12.1 billion at the year-end 2024 is well split between lines of business. Other Property and Casualty are our largest line at nearly 50%, followed by Motor business at around 30% and then Life and Health business at around 20%. VIG’s solid capitalization represented by a solvency ratio of 261% at the year-end 2024 is also reflected in its S&P rating of A+ with stable outlook.