Sitemap Newspaper Strategy Interview with the Managing Board Continuity and change Guidelines for a successful future VIG in the CEE region Growth prospects of the CEE region VIG’s history of success Market highlights Group companies Top position in the CEE region Low interest rate environment An interview with the CEO of Erste Group VIG’s investment strategy Life insurance with a guaranteed interest rate VIG expert on low interest rate environment Risk management VIG risk management Karel van Hulle about Solvency II VIG update on Solvency II VIG compliance VIG in the capital market IR news 2015 Opportunities and risks of VIG shares Expert check Key figures VIG share CSR / Employer of Choice Responsible company Interview CSR-Officer CSR projects Interview Head of Human Resources HR news Future trends Trends in the digital age VIG expert on future trends Digitisation strategy Wiener Städtische Innovative products and services Company Letter from the Chairwoman of the Managing Board Highlights 2015 Key figures Company profile Markets Market positions VIG by region Group companies Strategy Objectives Key strategic elements Management principles Strategic milestones Corporate governance report VIG's Corporate Governance Managing Board Members of the Managing Board Elisabeth Stadler Franz Fuchs Roland Gröll Judit Havasi Peter Höfinger Martin Simhandl Supervisory Board Members of the Supervisory Board Independence Committees Number of meetings Procedures Compensation Promotion of women External evaluation Supervisory Board report Group Management Report Economic environment Legal environment Business development Business development of the Group in 2015 Premiums, expenses Financial result, profit and cash flow Investments, equity and provisions Key figures Development by lines of business Premiums, expenses and profit Investments, provisions Development by region Business development by region Austria Czech Republic Slovakia Poland Romania Remaining markets Central Functions Non-financial performance indicators Further information Significant events after the balance sheet date Research and development Risk management and financial instruments Outlook for 2016 Austria CEE region Vienna Insurance Group Financial Statements Consolidated financial statements 2015 Balance sheet Income statement Statement of comprehensive income Shareholders' equity Cash flow statement Notes Other information Declaration Managing Board Auditor’s Report Addresses and service List of abbreviations Glossary Addresses Contacts General information