In 14 countries in Europe, OVB advises its customers in all matters pertaining to financial provision, risk protection and asset growth. The early and consistent internationalisation of our business activities has stabilised the company's development and created diverse growth opportunities. All countries in Europe are facing similar challenges. Private provision is a central theme throughout Europe. OVB Holding AG has recognised this trend early on and taken it into account, particularly with respect to the expansion in Central and Eastern Europe. Today, this head start is paying off. The European subsidiaries contribute to more than 60% of the total sales of OVB Holding AG.