{"id":540,"date":"2022-12-23T09:44:09","date_gmt":"2022-12-23T09:44:09","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=540"},"modified":"2022-12-23T09:44:09","modified_gmt":"2022-12-23T09:44:09","slug":"uniqa-ve-3q-2022-posilila-v-cesku-o-41","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=540","title":{"rendered":"UNIQA ve 3Q 2022 pos\u00edlila v \u010cesku o 4,1 %"},"content":{"rendered":"<p><strong>Za prvn\u00edch 9 m\u011bs\u00edc\u016f tohoto roku p\u0159edepsala UNIQA v\u00a0\u010cR a SR na pojistn\u00e9m celkem 14,13 miliardy korun. Z\u00a0toho pod\u00edl 9,24 miliardy korun p\u0159ipadal na \u010cR a \u010d\u00e1stka 4,89 miliardy korun (asi 200 milion\u016f EUR) na SR. \u010cesk\u00e1 a slovensk\u00e1 UNIQA se tak pod\u00edlela v mezin\u00e1rodn\u00ed \u010d\u00e1sti koncernu UNIQA Insurance Group na celkov\u00e9m p\u0159edepsan\u00e9m pojistn\u00e9m ze 30 %.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><strong>Kmen pojistn\u00fdch smluv<\/strong><strong> UNIQA poji\u0161\u0165ovny<\/strong> v\u00a0\u010cR a SR byl po f\u00fazi s\u00a0poji\u0161\u0165ovnami AXA sjednocen a koncem z\u00e1\u0159\u00ed dosahoval po\u010dtu 3,011 milionu kus\u016f. Na UNIQA \u010ceskou republiku koncem \u010dervna 2022 p\u0159ipadalo z\u00a0celkov\u00e9ho po\u010dtu 60 % a na UNIQA Slovenskou republiku 40 %.<\/p>\n<p><strong>Hrub\u00fd zisk<\/strong> (EBT) dos\u00e1hl hodnoty 963,8 milionu korun, <strong>\u010dist\u00fd zisk<\/strong> poji\u0161\u0165ovny p\u016fsob\u00edc\u00ed v\u00a0\u010cR a SR \u010dinil celkem 782,7 milionu korun (bezm\u00e1la 32 milion\u016f EUR). \u010cesk\u00e1 \u010d\u00e1st UNIQA vyk\u00e1zala \u010dist\u00fd zisk ve v\u00fd\u0161i 423,7 milionu korun. \u010cist\u00fd zisk slovensk\u00e9 \u010d\u00e1sti \u010dinil 359 milion\u016f korun.<\/p>\n<p><em>\u201eJsem velmi r\u00e1d, \u017ee se n\u00e1m da\u0159\u00ed napl\u0148ovat na\u0161e obchodn\u00ed c\u00edle a v\u00a0prvn\u00edm roce po spojen\u00ed na\u0161ich spole\u010dnost\u00ed nav\u00fd\u0161it i dynamiku na\u0161eho r\u016fstu. Obrovsk\u00e9 pod\u011bkov\u00e1n\u00ed za to pat\u0159\u00ed na\u0161im zam\u011bstnanc\u016fm, za jejich skv\u011blou ka\u017edodenn\u00ed pr\u00e1ci, na\u0161im partner\u016fm, a zejm\u00e9na na\u0161im klient\u016fm za jejich d\u016fv\u011bru. Da\u0159\u00ed se n\u00e1m i transformace v\u00a0souladu s\u00a0hodnotami koncernov\u00e9 strategie UNIQA 3.0, v\u00a0jej\u00edm\u017e r\u00e1mci chceme p\u0159in\u00e1\u0161et \u0159e\u0161en\u00ed i nad r\u00e1mec vlastn\u00edch pojistn\u00fdch produkt\u016f. Potvrzen\u00edm na\u0161eho \u00fasil\u00ed je zisk leto\u0161n\u00edho ocen\u011bn\u00ed \u201eZodpov\u011bdn\u00e1 poji\u0161\u0165ovna roku\u201c,\u201c <\/em>zhodnotil uplynul\u00e9 obdob\u00ed Martin \u017d\u00e1\u010dek, gener\u00e1ln\u00ed \u0159editel finan\u010dn\u00ed skupiny UNIQA v\u00a0\u010cR a SR.<strong>\u00a0<\/strong><\/p>\n<p><strong>UNIQA \u010cesko<\/strong><\/p>\n<p>V \u010cesku pos\u00edlila UNIQA meziro\u010dn\u011b o 4,1 %. \u00a0V\u011bt\u0161inov\u00e1 \u010d\u00e1st pojistn\u00e9ho (70 %) p\u0159ipadla znovu na <strong>ne\u017eivotn\u00ed segmenty<\/strong>. B\u011bhem 3. kvart\u00e1lu rostla jak ne\u017eivotn\u00ed, tak i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed shodn\u00fdm meziro\u010dn\u00edm tempem 4,1 %. Tr\u017en\u00ed pod\u00edl UNIQA v\u00a0ne\u017eivotn\u00edch odv\u011btv\u00edch za prvn\u00edch 9 m\u011bs\u00edc\u016f roku dosahoval 7,9 % (6. m\u00edsto na trhu). Da\u0159ilo se tentokr\u00e1t hlavn\u011b poji\u0161t\u011bn\u00ed majetku ob\u010dan\u016f (rodinn\u00e9 domy, dom\u00e1cnosti), kde meziro\u010dn\u00ed nav\u00fd\u0161en\u00ed pojistn\u00e9ho \u010dinilo 18,4 %, a znovu dos\u00e1hlo (spolu s\u00a0poji\u0161t\u011bn\u00edm ob\u010dansk\u00e9 odpov\u011bdnosti) za 3. kvart\u00e1l 2022 nejvy\u0161\u0161\u00edho tempa mezi velk\u00fdmi poji\u0161\u0165ovnami. Solidn\u00ed p\u0159\u00edsp\u011bvek dodalo i poji\u0161t\u011bn\u00ed podnikatel\u016f. To dok\u00e1zalo meziro\u010dn\u011b zrychlit na p\u0159edepsan\u00e9m pojistn\u00e9m o 12,8 %, \u010d\u00edm\u017e se UNIQA za\u0159adila k\u00a0velk\u00fdm poji\u0161\u0165ovn\u00e1m s\u00a0nejsiln\u011bj\u0161\u00edm meziro\u010dn\u00edm p\u0159\u00edr\u016fstkem.<\/p>\n<p>V\u00a0tradi\u010dn\u011b siln\u00fdch odv\u011btv\u00edch\u00a0povinn\u00e9ho ru\u010den\u00ed a havarijn\u00edho poji\u0161t\u011bn\u00ed dr\u017eela UNIQA podle p\u0159edepsan\u00e9ho pojistn\u00e9ho p\u00e1t\u00e9, resp. \u010dtvrt\u00e9 m\u00edsto na trhu v\u00a0\u010cR. Tyto dva segmenty obstaraly za prvn\u00edch 9 m\u011bs\u00edc\u016f roku op\u011bt bezm\u00e1la 73 % ne\u017eivotn\u00edho pojistn\u00e9ho UNIQA.<\/p>\n<p><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> p\u0159isp\u011blo celkem \u010d\u00e1stkou pojistn\u00e9ho 2,76 miliardy korun a meziro\u010dn\u011b pos\u00edlilo o 4,1 %. Segment tak svoji dynamiku znovu nav\u00fd\u0161il. Odv\u011btv\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed d\u00edky lo\u0148sk\u00e9 f\u00fazi se zna\u010dkou AXA zv\u00fd\u0161ilo sv\u016fj pod\u00edl na celkov\u00e9m dosa\u017een\u00e9m pojistn\u00e9m UNIQA na 30 %, co\u017e vylep\u0161ilo tr\u017en\u00ed pozici UNIQA (koncem 3. \u010dtvrtlet\u00ed 2022 dr\u017eela UNIQA v \u017eeb\u0159\u00ed\u010dku 5. m\u00edsto,). Jednor\u00e1zov\u011b placen\u00e9 \u017eivotn\u00ed pojistn\u00e9 UNIQA za prvn\u00edch 9 m\u011bs\u00edc\u016f 2022 oslabilo meziro\u010dn\u011b znovu o v\u00edce ne\u017e 30 %, stejn\u011b jako loni. V\u00a0celkov\u00e9m objemu byla jeho role zanedbateln\u00e1 (3,8 milionu korun). B\u011b\u017en\u011b placen\u00e9 pojistn\u00e9, kter\u00e9 je nosnou \u010d\u00e1st\u00ed, meziro\u010dn\u011b narostlo o 4,2 %; UNIQA tak v\u00a0b\u011b\u017en\u011b placen\u00e9m pojistn\u00e9m dos\u00e1hla t\u0159et\u00ed nejvy\u0161\u0161\u00ed dynamiky mezi velk\u00fdmi poji\u0161\u0165ovnami.<\/p>\n<p><strong>Lok\u00e1ln\u00ed tr\u017en\u00ed pod\u00edl<\/strong> UNIQA v\u00a0\u010cR z\u016fst\u00e1val koncem 3. \u010dtvrtlet\u00ed na hodnot\u011b 7,7 %.<\/p>\n<p><strong>\u0160kodovost<\/strong> v\u00a0ne\u017eivotn\u00edch odv\u011btv\u00edch poji\u0161t\u011bn\u00ed byla na \u00farovni 60,2 %, co\u017e je v\u00a0porovn\u00e1n\u00ed s\u00a0lo\u0148skem zhor\u0161en\u00ed zhruba o 3 procentn\u00ed body.<\/p>\n<p><strong>UNIQA Slovensko<br \/>\n<\/strong>Z celkov\u00e9 \u010d\u00e1stky <strong>p\u0159edepsan\u00e9ho pojistn\u00e9ho<\/strong> 4,89 miliardy korun na Slovensku (200 milion\u016f EUR) p\u0159ipadalo 58 % na ne\u017eivotn\u00ed odv\u011btv\u00ed a zb\u00fdvaj\u00edc\u00edch 42 % plynulo ze\u00a0\u017eivotn\u00edch segment\u016f.<\/p>\n<p><strong>Tr\u017en\u00ed pod\u00edly<\/strong> obou odv\u011btv\u00ed byly na Slovensku pom\u011brn\u011b vyrovnan\u00e9: v\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed m\u011bla UNIQA ke konci z\u00e1\u0159\u00ed 2022 pod\u00edl 9,65 % a v\u00a0ne\u017eivotn\u00edm poji\u0161t\u011bn\u00ed 10,29 %. Celkov\u011b dr\u017eela UNIQA na Slovensku pod\u00edl 10,29 %, a byla tak \u010dtvrtou nejsiln\u011bj\u0161\u00ed zna\u010dkou na lok\u00e1ln\u00edm pojistn\u00e9m trhu.<\/p>\n<p><strong>\u0160kodovost<\/strong> ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed byla na \u00farovni necel\u00fdch 56 %.<strong>\u00a0<\/strong><\/p>\n<p><strong>V\u00fdsledky koncernu <\/strong><\/p>\n<p>UNIQA poji\u0161\u0165ovna p\u016fsob\u00ed v\u00a0r\u00e1mci evropsk\u00e9 skupiny <strong>UNIQA Insurance Group<\/strong> (UIG) se s\u00eddlem ve V\u00eddni. P\u0159edepsan\u00e9 pojistn\u00e9 koncernu ve sledovan\u00e9m obdob\u00ed vzrostlo meziro\u010dn\u011b o 4,3 % na 5,03 miliardy EUR a dok\u00e1zalo b\u011bhem leto\u0161n\u00edho roku zrychlit sv\u00e9 tempo. Pozitivn\u00edho v\u00fdsledku bylo dosa\u017eeno i p\u0159es slo\u017eitou situaci na Ukrajin\u011b v\u00a0d\u016fsledku prob\u00edhaj\u00edc\u00ed v\u00e1lky a zastaven\u00ed nov\u00fdch aktivit v\u00a0Rusku (Rakousko meziro\u010dn\u011b +5,0 %; region CEE + 3,5 %).<\/p>\n<p><strong>Sestersk\u00e9 UNIQA v\u00a0Evrop\u011b<\/strong> (17 zem\u00ed mimo domovsk\u00e9 Rakousko, v\u010detn\u011b UNIQA v\u00a0\u010cR a SR) vyk\u00e1zaly za 9 m\u011bs\u00edc\u016f 2022 p\u0159edepsan\u00e9 pojistn\u00e9 ve v\u00fd\u0161i 1,89 miliardy EUR a pod\u00edlely se na celkov\u00e9m vybran\u00e9m pojistn\u00e9m UNIQA Insurance Group u\u017e bezm\u00e1la ze\u00a038 %. UNIQA \u010cesk\u00e1 republika spole\u010dn\u011b s\u00a0UNIQA Slovensko p\u0159inesly p\u0159es 30 % mezin\u00e1rodn\u00edho pojistn\u00e9ho UIG.<\/p>\n<p><strong>Hrub\u00fd zisk<\/strong> cel\u00e9 skupiny do konce z\u00e1\u0159\u00ed 2022 \u010dinil 275 milion\u016f EUR (loni 299 milion\u016f EUR; sn\u00ed\u017een\u00ed o 7,8 % zejm\u00e9na v\u00a0d\u016fsledku tvorby opravn\u00fdch polo\u017eek v\u00a0oblasti finan\u010dn\u00edho um\u00edst\u011bn\u00ed a m\u00edrn\u011b zv\u00fd\u0161en\u00e9ho CoR na \u00farove\u0148 94,4 %).<\/p>\n<p>Pro zbytek roku po\u010d\u00edt\u00e1 skupina UNIQA s\u00a0dal\u0161\u00edm r\u016fstem p\u0159edepsan\u00e9ho pojistn\u00e9ho. Nad\u00e1le trv\u00e1 nejistota v\u00a0d\u016fsledku prob\u00edhaj\u00edc\u00ed v\u00e1lky na Ukrajin\u011b, v\u00fdvoje inflace a \u00farokov\u00fdch sazeb.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Za prvn\u00edch 9 m\u011bs\u00edc\u016f tohoto roku p\u0159edepsala UNIQA v\u00a0\u010cR a SR na pojistn\u00e9m celkem 14,13 miliardy korun. Z\u00a0toho pod\u00edl 9,24 miliardy korun p\u0159ipadal na \u010cR <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=540\" title=\"UNIQA ve 3Q 2022 pos\u00edlila v \u010cesku o 4,1 %\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=540"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/540\/revisions"}],"predecessor-version":[{"id":541,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/540\/revisions\/541"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/416"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}