Vienna Insurance Group (VIG) is the leading insurance group in Central and Eastern Europe. More than 50 insurance companies and pension funds provide the best possible protection against the risks of day-to-day life for about 36 million customers. Broad positioning and diversification are key drivers of the Group’s growth, business performance and resilience.
Four reasons to invest in VIG
Benefits for VIG investors
Vienna Insurance Group offers investors a resilient, growth-oriented investment with long-term value potential. It combines a leading position in CEE with financial strength, a market-oriented, decentralised business model and a responsible focus on the future. With its innovative strength and leading digital solutions in CEE, VIG is actively shaping the future of the insurance business.
Market leader in CEE with growth prospects
- Attractive risk/reward profile in a growth region
- Investments to leverage the structural catch-up potential in CEE
- Resilience through broad diversification across lines of business, markets and distribution channels
Decentralised business model
- Agile, future-oriented operations in a dynamic environment with a high degree of local responsibility for results
- In-depth market understanding, many years of experience and strong customer proximity supported by multi-brand strategy
- Extensive cooperation and collaboration within the Group to strengthen innovative power and to use modern technologies efficiently
Financial
strength
- Reliability, financial stability and predictability in a volatile environment
- Financial strength for further organic and inorganic growth
- High dividend reliability with a solid capital base
Responsible focus on the future
- Sustainable value creation across generations in combination with measurable targets as defined in the Transition Plan for Climate Change Mitigation
- ESG criteria as an integral part of investment and insurance decisions
- Broadening and strengthening the customer base by addressing the catch-up demand for insurance cover
Our markets
Regional footprint
The markets in Central and Eastern Europe1 differ significantly in terms of size, economic development and competitive structure. However, they all share the potential for growth in the insurance sector. Its presence in numerous countries enables VIG to capitalise on this momentum and achieve above-average growth overall.
Market position
Key figures
Key figures of Vienna Insurance Group 2023-2025
| Income statement | Unit |
2025
|
2024 adjusted |
2023 adjusted |
|---|---|---|---|---|
|
1 The calculation of this figure considers the interest expenses for hybrid capital. |
||||
| Gross written premiums | EUR million | 16,313.7 | 15,226.3 | 13,784.0 |
| Insurance service revenue | 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 |
| Result of the period after taxes and non-controlling interests | EUR million | 834.9 | 626.3 | 560.1 |
| Earnings per share1 | EUR | 6.46 | 4.83 | 4.32 |
| Net Combined Ratio (P&C) | % | 90.1 | 93.4 | 92.6 |
| Balance sheet | Unit |
2025
|
2024 adjusted |
2023 adjusted |
|---|---|---|---|---|
| Total capital investment portfolio | EUR million | 47,151.6 | 44,568.3 | 42,586.1 |
| Insurance contracts liabilities issued | EUR million | 41,496.9 | 39,598.1 | 37,804.1 |
| Consolidated shareholders' equity (incl. non-controlling interests) | EUR million | 7,331.4 | 6,558.9 | 6,099.3 |
| Contractual Service Margin (CSM) | EUR million | 6,235.9 | 5,523.2 | 5,797.2 |
| 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 |
| Solvency Ratio | % | 296 | 261 | 269 |
Business portfolio
Broad diversification across lines of business and markets
Outlook and strategy
evolve28 targets
With the Group strategy "evolve28", we are consistently expanding our market leadership in CEE. The focus is on growth, increasing earnings, and a continuously rising dividend. The targets for 2028 at a glance (excluding Nürnberger):
VIG shares and dividend
VIG on the stock exchange
Dividend policy and dividend security
Vienna Insurance Group lets its shareholders continuously participate in its success since its initial listing on the Vienna Stock Exchange in 1994. With regard to dividend continuity and predictability VIG aims to pay a dividend per share that is at least equal to that of the previous year and increases continuously depending on the operating earnings situation.
In-depth insights into VIG
Get to know us better!
This section provides information about VIG as a company and an investment. Immerse yourself in the world of VIG!
IR Contact
IR Contact
VIENNA INSURANCE GROUP AG
Wiener Versicherung Gruppe +43 (0) 50 390 - 21919 Send e-mail investor.relations@vig.com