WE ARE - Wiener Städtische

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<strong>Wiener</strong> StädtiSche VerSicherung Ag AuStriA’S tighteSt SAFetY net 24 ANNUAL REPORT 2010 | <strong>Wiener</strong> StädtiSche Bregenz Dornbirn FELDKIRCH Bludenz Vienna location Ottakring Office "Vorsorge" Reutte Imst Landstraße Floridsdorf Telfs Donaustadt HEADQUARTERS PROVINCIAL HEAD OFFICE Liesing Landeck INNSBRUCK Wörgl Schwaz Kufstein Zell / See Lienz Braunau/Inn Mattighofen Seekirchen SALZBURG Hallein Bischofshofen St. Johann/Pongau Bad Gastein Hermagor
Grieskirchen Ried/Innkreis Vöcklabruck Abtenau Schärding Mondsee Schörfling Bad Ischl Tamsweg Spittal/Drau Rohrbach Wels Vorchdorf Gmunden Scharnstein Villach Bad Leonfelden Eferding Leonding Bad Aussee Liezen Gröbming Traun Feldkirchen Steyr Kirchdorf/Krems LINZ Kremsmünster Windischgarsten Judenburg Murau St. Veit/Glan KLAGENFURT Freistadt Ferlach Völkermarkt Gmünd Kindberg Kapfenberg Zwettl Gratkorn Voitsberg Waidhofen/Thaya Bruck/Mur Gföhl Mürzzuschlag Deutschlandsberg Bad Radkersburg Leibnitz Hartberg Weiz Horn Krems Hollabrunn Gleisdorf Feldbach Fürstenfeld Stockerau Zistersdorf Korneuburg Gänserndorf Perg Herzogenburg Melk Amstetten ST. PÖLTEN Tulln Klosterneuburg Vienna (see Groß Enzersdorf map on left) Neulengbach Bruck/Leitha Mödling Schwechat Scheibbs Baden Neusiedl/See Waidhofen/Ybbs Lilienfeld Wr. Neustadt EISENSTADT Mattersburg Ternitz Leoben Knittelfeld Wolfsberg cOMPAnY & StrAtegY | MAJOR TOPicS 2010 | MANAgEMENT REPORT 2010 | ANNUAL FiNANciAL STATEMENTS 2010 GRAZ Retz Neunkirchen Aspang Jennersdorf Wolkersdorf Oberwart Güssing Laa/Thaya Poysdorf Mistelbach Oberpullendorf headquarters/Provincial head offices Branch offices A
Page 1 and 2: AnnuAl rePOrt 2010 | WiENER STädTi
Page 3 and 4: WE ARE AVAILABLE nation-wide ANNUAL
Page 5 and 6: WE GIVE NEW MEANING TO problem-free
Page 7 and 8: WE OFFER THE MOST professional ADVI
Page 9 and 10: WE BELONG TO THE VIENNA INSURANCE G
Page 11 and 12: »We Are AuStriA ...« in August 20
Page 13 and 14: »... FAced With the chAllenge OF B
Page 15 and 16: the AuStriAn inSurAnce MArKet ...«
Page 17 and 18: the SucceSS OF All Our eMPlOYeeS.«
Page 19 and 20: chriStine dOrnAuS Member of the Man
Page 21 and 22: c MAnAgeMent rePOrt 2010 Business d
Page 23: Life 43.5% cOMPAnY & StrAtegY | MAJ
Page 27 and 28: Proximity to customers and service
Page 29 and 30: MAnY BrAndS, One grOuP and are the
Page 31 and 32: cOMPAnY & StrAtegY | MAJOR TOPicS 2
Page 33 and 34: ance coverage. Wiener Städtische t
Page 35 and 36: cOMPAnY & StrAtegY | MAJOR TOPicS 2
Page 37 and 38: tailored courses for the different
Page 39 and 40: Cross throughout Austria to provide
Page 41 and 42: COMPANY & STRATEGY | MAJOR TOPICS 2
Page 43 and 44: After several years of increased cl
Page 45 and 46: income tax. No insurance taxes or s
Page 49 and 50: of EUR 10,000 with annuitisation, a
Page 51 and 52: ter role in the future. This, in tu
Page 53 and 54: Print campaigns Consistent with the
Page 55 and 56: Expenses for claims and insurance b
Page 57 and 58: Life insurance Wiener Städtische l
Page 59 and 60: RISK REPORT The risk management dep
Page 61 and 62: OUTLOOK ECONOMIC GROWTH FOR AUSTRIA
Page 63 and 64: PROPOSED DISTRIBUTION OF PROFITS CO
Page 65 and 66: Wiener StädtiSche Versicherung Ag
Page 75 and 76:
COMPANY & STRATEGY | MAJOR TOPICS 2
Page 77 and 78:
Page 79 and 80:
Page 81 and 82:
The insurance business operations o
Page 83 and 84:
Japanese Small/Mid Ca, INVESCO GLB
Page 85 and 86:
shown under deferred income on the
Page 87 and 88:
values (purchase price, reduced by
Page 89 and 90:
IV. NOTES TO THE INCOME STATEMENT C
Page 91 and 92:
Page 93 and 94:
V. PROFIT PARTICIPATION HEALTH INSU
Page 95 and 96:
a) an interest bonus equal to 0.5%
Page 97 and 98:
Settlement Classes 2008 and 2010 -
Page 99 and 100:
2. In accordance with policy terms
Page 101 and 102:
VII. OTHER DISCLOSURES The company
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The company is a wholly-owned subsi
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We believe that the audit evidence
Page 107 and 108:
ecommend unqualified approval to th
Page 109 and 110:
PROVINCIAL ADVISORY COUNCILS The fo
Page 111 and 112:
Michael Koch Helmut Löffler Hans L
Page 113 and 114:
CONTACTS AND ADDRESSES ADVERTISING
Page 115 and 116:
REAL ESTATE AND REAL ESTATE-RELATED
Page 117 and 118:
Hollabrunn Direct dial 51900 Bahnst
Page 119 and 120:
Schörfling Direct dial 57100 Markt
Page 121 and 122:
Bad Gastein Direct dial 61700 Bahnh
Page 123 and 124:
GLOSSARY Actuarial reserve A reserv
Page 125 and 126:
Hidden reserves The actual value (m
Page 127 and 128:
POSTAL ADDRESS WIENER STÄDTISCHE V
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WE ARE - Wiener Städtische

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