Wiener Städtische životno
Sources and updates
- Source
- ANO market reports and insurers' annual reports; solvency margin, not Solvency II
- Latest figures
- FY 2025, Jan–Sep 2026
- Next update
- FY 2026, around May 2027
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →In the news27 Oct 2026: Montenegro premium up 12.8% to €127.3m in 9M 2026; claims paid up 17.5% All news for Montenegro
Latest resultsJan–Sep 2026, year to date: €11m of premium, +15.0% on Jan–Sep 2025 (market +12.8%); share 8.6% (+0.2 pp), #6 of 11. More
Fingerprint
Wiener Städtische životno's line mix, and where it stands among the 9 insurers in Montenegro on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Montenegro 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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Wiener Städtische životno | 6.5% | 7.0% | 7.7% | 9.0% | 9.6% |
| GRAWE | 7.2% | 6.6% | 6.3% | 5.6% | 5.1% |
| Lovćen životna | 4.7% | 4.5% | 4.4% | 4.9% | 5.0% |
| UNIQA životno | 1.9% | 1.7% | 1.4% | 1.2% | 1.1% |
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
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Also in the VIG group
36 companies in 18 markets · €9.28bn premium, latest year
Also in Bulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mBosnia and Herzegovina · €52mNorth Macedonia · €47mMoldova · €21mKosovo* · €15m
Ownership and events
Company details
- Website
- wiener.co.me
- Employees
- 18 (2025; 16 in 2022, 15 in 2023, 15 in 2024)
- Premium per employee
- €794k (FY 2025; median for life insurers in Montenegro: €222k; all insurers)
Website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: employees under an employment contract at 31 December, from the notes to each insurer's audited financial statements published by the supervisor (ANO), people on supplementary-work contracts left out (Lovćen životna: the year's average); group companies share staff, so the counts add up to more than ANO's sector total.
Questions about Wiener Städtische životno
Short answers from the figures on this page.
What is Wiener Städtische životno's market share in Montenegro?
Wiener Städtische životno wrote €14.3m of premium in FY 2025, 9.6% of all premium in Montenegro, ranking #5 of 9 insurers; its premium grew 17.9% on FY 2024.
Who owns Wiener Städtische životno?
Wiener Städtische životno is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).
What does Wiener Städtische životno sell?
Wiener Städtische životno is a life insurer; all its premium in FY 2025 is life insurance.
Is Wiener Städtische životno well capitalised?
Wiener Städtische životno's solvency margin was 230% at 31 December 2025: it covered its required solvency margin 2.3 times, against a median of 392% for the insurers in Montenegro (local rules, not Solvency II).
Is Wiener Städtische životno profitable?
Wiener Städtische životno made a net profit of €1.11m in FY 2025, a return on equity of 14.5%.
Is Wiener Städtische životno growing?
Wiener Städtische životno's premium grew 17.9% in FY 2025, faster than the market in Montenegro (+10.5%).
Sources for this page
Premium: ANO (Insurance Supervision Agency of Montenegro), quarterly market reports. Lines, claims and solvency margin: the insurer's annual report and ANO. 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.
Polisa. (2026). Wiener Städtische životno (Montenegro): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/me-wiener-stadtische-zivotno
BibTeXShow entry
@misc{polisa_insurers_me_wiener_stadtische_zivotno_2026,
author = {{Polisa}},
title = {Wiener Städtische životno (Montenegro): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/me-wiener-stadtische-zivotno}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ANO (public information, no terms published).