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Wiener

VIG groupBosnia and Herzegovinawiener.ba ↗#9 of 23 in Bosnia and Herzegovina, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
AZOBiH and the entity supervisors; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Bosnia and HerzegovinaWhat changed

Compare with nearest rivals →Compare →
Share
Premium
€28m
4.6% of Bosnia and Herzegovina
Growth
+16.0%
FY 2025 vs 2024, in BAM · market +8.0%
Life share
6%
of own premium
Capital cover
119%
Solvency margin · €7.9m held vs €6.6m required
Claims and costs
103%
combined ratio after reinsurance · gross 59% · market 95%
In shortNumber 9 of 23 in Bosnia and Herzegovina with 4.6% of premium, growing faster than the market. Strongest in Liability, with 60.6% of the line. Its non-life business lost money on underwriting, with a combined ratio of 103% after reinsurance against 95% for the market; before reinsurance it was 59%, with 51% of its non-life premium passed to reinsurers. It paid €8.8m in claims, €32 for every €100 of its premium. It covers its required solvency margin 1.2 times.

Latest resultsJan–Sep 2026, year to date: €23m of premium, +3.5% on Jan–Sep 2025 (market +4.8%); share 4.7% (−0.1 pp), #9 of 23. More

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Wiener's line mix, and where it stands among the 23 insurers in Bosnia and Herzegovina on each measure, FY 2025.

Line mix
Property31%
Accident24%
Motor TPL18%
Casco8%
Liability6%
Life6%
Other non-life4%
Credit & surety3%
Health1%
Size#9 of 23 by premium
€28m
larger than 64%median €19m
GrowthFY 2025 against 2024, in BAM
+16.0%
ahead of 86%median +8.0%
Claims and costsnon-life combined ratio, after reinsurance
103%
better than 11%median 97%
Capital coverlocal solvency margin
119%
ahead of 25%median 129%
Return on equitynet profit ÷ average equity
2.7%
ahead of 9%median 9.6%

Each bar runs from the weakest to the strongest of the insurers in Bosnia and Herzegovina with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Euroherc7.9%7.8%7.9%8.2%8.5%
Sarajevo osiguranje7.7%7.6%6.9%7.0%6.8%
Wiener3.9%4.3%4.1%4.3%4.6%
Premium1.5%1.9%2.1%2.7%3.1%
Camelija2.0%2.2%2.5%2.8%3.0%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Also in the VIG group

    36 companies in 18 markets · €9.28bn premium, latest year

    All 36 on the VIG page →

    Also in Lithuania · €510mBulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mNorth Macedonia · €47mMoldova · €21mKosovo* · €15mMontenegro · €14m

    Company details

    Legal name
    Wiener osiguranje Vienna Insurance Group a.d.
    Registered seat
    Banja Luka, Bosnia and Herzegovina
    Website
    wiener.ba
    LEI
    747800K0C9KPFM29OS60 (not renewed)
    Employees
    180 (2025; 208 in 2022, 202 in 2023, 194 in 2024)
    Premium per employee
    €155k (FY 2025; median for non-life insurers in Bosnia and Herzegovina: €118k; all insurers)

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Wiener

    Short answers from the figures on this page.

    What is Wiener's market share in Bosnia and Herzegovina?

    Wiener wrote €27.9m of premium in FY 2025, 4.6% of all premium in Bosnia and Herzegovina, ranking #9 of 23 insurers; its premium grew 16.0% on FY 2024 in BAM.

    Who owns Wiener?

    Wiener is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).

    What does Wiener sell?

    Wiener is a non-life insurer; its largest lines in FY 2025 are property (30.8% of its premium), accident (24.2%) and motor TPL (17.8%).

    Is Wiener well capitalised?

    Wiener's solvency margin was 118% at 31 December 2025: it covered its required solvency margin 1.2 times, against a median of 129% for the insurers in Bosnia and Herzegovina (local rules, not Solvency II).

    Is Wiener profitable?

    Wiener made a net profit of €0.238m in FY 2025, a return on equity of 2.7%; its non-life combined ratio was 103% after reinsurance.

    Is Wiener growing?

    Wiener's premium grew 16.0% in BAM in FY 2025, faster than the market in Bosnia and Herzegovina (+8.0%).

    Sources for this page

    Premium and lines: the Insurance Agency of Bosnia and Herzegovina and the supervisors of the Federation and Republika Srpska. Claims and solvency margin: supervisors and the insurer's annual report. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse

    Polisa compiles the figures; the original sources are named on this page and on the method page.

    APA

    Polisa. (2026). Wiener (Bosnia and Herzegovina): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ba-wiener

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ba_wiener_2026,
      author       = {{Polisa}},
      title        = {Wiener (Bosnia and Herzegovina): premium, market share, lines, solvency and claims},
      year         = {2026},
      version      = {2026-11-11.13378f},
      howpublished = {\url{https://polisapro.com/insurers/ba-wiener}},
      note         = {Accessed 11 November 2026}
    }

    Reuse: Polisa's compilation CC BY 4.0 · source data: AZOBiH, ANO FBiH, AZORS (all rights reserved, no re-use terms), BHAS (CC0), SASE (no terms published, all rights reserved), Banja Luka Stock Exchange (no terms published, all rights reserved).