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EANS-Adhoc: VIENNA INSURANCE GROUP: 1ST-3RD QUARTER OF 2013

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  ad-hoc disclosure transmitted by euro adhoc with the aim of a Europe-wide
  distribution. The issuer is solely responsible for the content of this
  announcement.
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Financial Figures/Balance Sheet/9M 2013 
28.11.2013


- Positive development of the Group's result affected by heavy losses in
  Romania and Italy

- Premiums of about EUR 7.1 billion (-5.1 percent)
  Adjusted for special effects, increase by 2 percent

- Profit before taxes of EUR 315.9 million (-28.8 percent)

- Considerable improvement in the result of the 3rd quarter, compared to the
  2nd quarter 2013

- Successful issue of EUR 500 million subordinated bond


Key data for the first three quarters of 2013

Despite the very challenging market environment, Vienna Insurance Group
recorded a sound development of premiums. Consolidated premiums written
amounted to EUR 7.1 billion (-5.1 percent) in the first three quarters of 2013.
The decline of premiums is mainly due to the planned reduction of the short-
term single-premium business in Poland as well as of the motor business in
Italy. Without special effects, Vienna Insurance Group reported a growth in
premiums of about 2 percent.

Against the background of intensive competition, premiums of EUR 3.6 billion
were earned in the property/casualty insurance. This corresponds to a decline
by 1.9 percent in this segment, which has in particular been due to the
downsizing of the motor business in Romania and Italy.

The development of premiums in the life insurance business remained under the
impact of the restraint in the short-term single-premium business in Poland.
The Group earned premiums of EUR 3.1 billion (-9.0 percent) in this segment.
Adjusted for the effect in Poland, growth amounted to 2.8 percent. Regular
premiums increased by 1.3 percent, with double-digit growth rates achieved in
this sector in many CEE countries.

Premiums in health insurance continued to grow to a total of EUR 303.7 million
(+1.8 percent).

The profit (before taxes) of the Group amounted to EUR 315.9 million, and the
combined ratio stood at 100.6 percent. The adjusted result - excluding special
effects from Romania and Italy - totalled EUR 458.0 million (+3.3 percent).

The 3rd quarter was characterised by a significant improvement of the profit
(before taxes) to EUR 110.2 million, as compared to EUR 46.3 million in the
previous quarter of 2013.

Despite heavy losses in Romania, the result in the CEE countries developed
favourably. The profit (before taxes) increased by 4.5 percent. Substantial
contributions were made by the remaining CEE markets (+93.5 percent) and Poland
(+54.3 percent).

The financial result of the Group amounted to EUR 892.1 million in the first
three quarters of 2013. The investments, including cash and cash equivalents,
totalled EUR 29.5 billion as of 30 September 2013.


Outlook

Due to the continuing difficult market conditions in Romania and the adverse
situation of Donau Versicherung's motor insurance business in Italy, the
Managing Board of Vienna Insurance Group assumes, based on the result for the
third quarter of 2013, that the envisaged objective of keeping volatilities in
the development of results sustainably as low as possible, will not be met in
the current year.

Nevertheless, the management of Vienna Insurance Group will maintain its
established strategy to focus on the markets of Austria and Central and Eastern
Europe as well as on its core competence "insurance business". Vienna Insurance
Group will continue to adhere to a risk-conscious and conservative investment
policy based on a strong capitalisation.


Further inquiry note:
VIENNA INSURANCE GROUP AG
Wiener Versicherung Gruppe
1010 Wien, Schottenring 30

Alexander Jedlicka 
Head of Public Relations, Spokesperson 
Tel.: +43 (0)50 390-21029 
Fax: +43 (0)50 390 99-21029 
E-Mail:  alexander.jedlicka@vig.com


Nina Higatzberger
Head of Investor Relations
Tel.: +43 (0)50 390-21920
Fax: +43 (0)50 390 99-21920
E-Mail:  nina.higatzberger@vig.com

end of announcement                               euro adhoc 
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issuer:      Vienna Insurance Group
             Schottenring 30
             A-1010 Wien
phone:       +43(0)50 390-21919
FAX:         +43(0)50 390 99-23303
mail:         investor.relations@vig.com 
WWW:      www.vig.com
sector:      Insurance
ISIN:        AT0000908504
indexes:     WBI, ATX Prime, ATX
stockmarkets: official market: Wien, stock market: Prague Stock Exchange 
language:   English

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