Insurer Brain

Test: Difference between revisions

Browse history interactively
← Older editNewer edit →
Content deleted Content added
VisualWikitext
No edit summary
No edit summary
Line 1:
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Europe, Middle East & Africa, Overview(EMEA) (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:9em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:9em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 8,989 || 9,662 || 18,651 || 9,801 || 10,851 || 20,652
|-
| style="text-align:left" | Ins.Insurance service expense: losses, grossrevenue¹ || (58,364)989.2 || (69,576)661.8 || (1118,940)651.0 || (59,506)801.1 || (610,583)851.2 || (1220,089)652.3
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (25,159364.2) || (26,327575.9) || (411,486940.1) || (25,371505.9) || (26,710583.3) || (512,080089.2)
|-
| style="text-align:left" | Net expensesIns. fromservice reinsexp.: contractsexpenses, held<sup>1</sup>gross || (7492,159.4) || (1562,326.6) || (9054,486.1) || (9522,370.5) || (6422,709.7) || (15,594080.2)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''716'''
| style="border-top:2px solid #a2a9b1" | '''603'''
| style="border-top:2px solid #a2a9b1" | '''1,320'''
| style="border-top:2px solid #a2a9b1" | '''973'''
| style="border-top:2px solid #a2a9b1" | '''916'''
| style="border-top:2px solid #a2a9b1" | '''1,889'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 444(749.1) || 464(156.3) || 908(905.3) || 498(952.1) || 523(641.9) || (1,021594.0)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''716.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''603.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,319.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''972.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''916.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,888.8'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 53 || 26 || 79 || (7) || 49 || 42
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''497'''
| style="border-top:2px solid #a2a9b1" | '''490'''
| style="border-top:2px solid #a2a9b1" | '''987'''
| style="border-top:2px solid #a2a9b1" | '''492'''
| style="border-top:2px solid #a2a9b1" | '''572'''
| style="border-top:2px solid #a2a9b1" | '''1,063'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) on Group inv. || (184)443.8 || (195)464.1 || (380)907.8 || (210)498.4 || (226)523.1 || (435)1,021.5
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''313'''
| style="border-top:2px solid #a2a9b1" | '''295'''
| style="border-top:2px solid #a2a9b1" | '''608'''
| style="border-top:2px solid #a2a9b1" | '''282'''
| style="border-top:2px solid #a2a9b1" | '''346'''
| style="border-top:2px solid #a2a9b1" | '''628'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 10953.3 || 11326.1 || 22279.4 || 115(6.8) || 12148.6 || 23641.8
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''497.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''490.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''987.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''491.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''571.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,063.3'''
| style="text-align:left" | Fee business expenses || (83) || (87) || (170) || (86) || (95) || (181)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''26'''
| style="border-top:2px solid #a2a9b1" | '''26'''
| style="border-top:2px solid #a2a9b1" | '''52'''
| style="border-top:2px solid #a2a9b1" | '''29'''
| style="border-top:2px solid #a2a9b1" | '''26'''
| style="border-top:2px solid #a2a9b1" | '''55'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (263184.2) || (203195.4) || (466379.5) || (230209.7) || (271225.7) || (501435.4)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''312.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''294.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''607.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''281.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''346.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''627.9'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (259) || (216) || (475) || (222) || (262) || (484)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || 0109.3 || 0112.9 || 0222.2 || 0115.2 || 0120.9 || 0236.1
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''792'''
| style="border-top:2px solid #a2a9b1" | '''721'''
| style="border-top:2px solid #a2a9b1" | '''1,514'''
| style="border-top:2px solid #a2a9b1" | '''1,053'''
| style="border-top:2px solid #a2a9b1" | '''1,017'''
| style="border-top:2px solid #a2a9b1" | '''2,071'''
|-
| style="text-align:left" | NCIFee business expenses || 12(83.3) || 14(86.9) || 26(170.2) || 15(85.8) || 14(94.8) || 28(180.7)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''781'''
| style="border-top:2px solid #a2a9b1" | '''707'''
| style="border-top:2px solid #a2a9b1" | '''1,487'''
| style="border-top:2px solid #a2a9b1" | '''1,039'''
| style="border-top:2px solid #a2a9b1" | '''1,004'''
| style="border-top:2px solid #a2a9b1" | '''2,042'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''26.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''26.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''52.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''29.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''26.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''55.4'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || (263.1) || (202.6) || (465.7) || (230.3) || (271.2) || (501.5)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (259.0) || (216.2) || (475.2) || (222.3) || (261.6) || (483.9)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''792.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''721.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,513.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,053.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,017.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,070.7'''
|-
| style="text-align:left" | NCI || 11.6 || 14.5 || 26.0 || 14.6 || 13.7 || 28.3
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''780.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''706.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,487.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,038.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,003.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,042.4'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || 68.0% || 69.7% || 68.9% || 65.9% || 66.6% || 66.3%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || 1.0% || 1.7% || 1.4% || 1.0% || 0.5% || 0.7%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || -3.2% || -2.8% || -3.0% || -2.6% || -2.5% || -2.6%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || -32.24% || -2.81% || -32.03% || -2.6% || -2.54% || -2.65%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || -226.49% || -226.13% || -226.36% || -226.65% || -227.4% || -226.59%
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.9%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''96.0%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''95.5%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.3%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.0%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.2%'''
| style="text-align:left" | Expense ratio<sup>2</sup> || 26.9% || 26.3% || 26.6% || 26.5% || 27.4% || 26.9%
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''94.9%'''
| style="border-top:2px solid #a2a9b1" | '''96.0%'''
| style="border-top:2px solid #a2a9b1" | '''95.5%'''
| style="border-top:2px solid #a2a9b1" | '''92.3%'''
| style="border-top:2px solid #a2a9b1" | '''94.0%'''
| style="border-top:2px solid #a2a9b1" | '''93.2%'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: North America, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:9em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:9em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 9,970 || 11,015 || 20,985 || 10,520 || 11,599 || 22,119
|-
| style="text-align:left" | Ins.Insurance service expense: losses, grossrevenue¹ || (59,577)970.2 || (711,304)014.9 || (1220,881)985.1 || (510,516)520.1 || (611,917)598.8 || (1222,433)118.9
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (25,397576.8) || (27,609303.9) || (512,005880.6) || (25,827516.0) || (26,984917.3) || (512,811433.3)
|-
| style="text-align:left" | NetIns. expensesservice from reinsexp.: contractsexpenses, held<sup>1</sup>gross || (12,085396.8) || (3362,608.7) || (15,421005.5) || (12,200827.3) || (6382,983.7) || (15,838811.1)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''912'''
| style="border-top:2px solid #a2a9b1" | '''766'''
| style="border-top:2px solid #a2a9b1" | '''1,678'''
| style="border-top:2px solid #a2a9b1" | '''977'''
| style="border-top:2px solid #a2a9b1" | '''1,060'''
| style="border-top:2px solid #a2a9b1" | '''2,037'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 564(1,084.8) || 577(336.3) || (1,141421.1) || 578(1,199.9) || 611(638.0) || (1,189837.9)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''911.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''766.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,677.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''976.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,059.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,036.6'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 88 || 106 || 194 || 39 || 134 || 172
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''652'''
| style="border-top:2px solid #a2a9b1" | '''682'''
| style="border-top:2px solid #a2a9b1" | '''1,335'''
| style="border-top:2px solid #a2a9b1" | '''617'''
| style="border-top:2px solid #a2a9b1" | '''745'''
| style="border-top:2px solid #a2a9b1" | '''1,361'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) on Group inv. || (321)563.9 || (369)576.9 || (690)1,140.8 || (371)577.8 || (376)611.2 || (747)1,189.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''331'''
| style="border-top:2px solid #a2a9b1" | '''313'''
| style="border-top:2px solid #a2a9b1" | '''644'''
| style="border-top:2px solid #a2a9b1" | '''246'''
| style="border-top:2px solid #a2a9b1" | '''368'''
| style="border-top:2px solid #a2a9b1" | '''614'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 10488.2 || 102105.5 || 206193.7 || 13338.9 || 116133.6 || 250172.4
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''652.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''682.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,334.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''616.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''744.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,361.4'''
| style="text-align:left" | Fee business expenses || (65) || (70) || (134) || (104) || (78) || (182)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''39'''
| style="border-top:2px solid #a2a9b1" | '''32'''
| style="border-top:2px solid #a2a9b1" | '''72'''
| style="border-top:2px solid #a2a9b1" | '''29'''
| style="border-top:2px solid #a2a9b1" | '''38'''
| style="border-top:2px solid #a2a9b1" | '''67'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (46321.0) || (35369.3) || (80690.3) || (48370.7) || (17376.3) || (65747.0)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''331.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''313.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''644.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''246.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''368.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''614.4'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (87) || (78) || (165) || (101) || (78) || (178)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || 104.0 || 0101.9 || 206.0 || 0133.2 || 0116.4 || 0249.6
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''1,236'''
| style="border-top:2px solid #a2a9b1" | '''1,077'''
| style="border-top:2px solid #a2a9b1" | '''2,313'''
| style="border-top:2px solid #a2a9b1" | '''1,204'''
| style="border-top:2px solid #a2a9b1" | '''1,449'''
| style="border-top:2px solid #a2a9b1" | '''2,654'''
|-
| style="text-align:left" | NCIFee business expenses || 0(64.8) || 0(69.5) || 0(134.3) || 0(104.2) || 0(78.1) || 0(182.3)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''1,236'''
| style="border-top:2px solid #a2a9b1" | '''1,077'''
| style="border-top:2px solid #a2a9b1" | '''2,313'''
| style="border-top:2px solid #a2a9b1" | '''1,204'''
| style="border-top:2px solid #a2a9b1" | '''1,449'''
| style="border-top:2px solid #a2a9b1" | '''2,654'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''39.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''32.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''71.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''29.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''38.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''67.3'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || (45.9) || (34.5) || (80.5) || (47.5) || (17.1) || (64.6)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (87.3) || (77.6) || (164.8) || (100.7) || (77.5) || (178.2)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,236.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,077.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,313.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,204.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,449.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,653.7'''
|-
| style="text-align:left" | NCI || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,236.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,077.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,313.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,204.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,449.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,653.7'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || 66.8% || 69.4% || 68.2% || 63.8% || 65.1% || 64.5%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || 3.5% || 5.4% || 4.5% || 2.9% || 0.6% || 1.7%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || -4.9% || -3.9% || -4.4% || -4.5% || -3.8% || -4.2%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || -41.90% || -31.90% || -41.40% || -41.53% || -30.85% || -40.29%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || -124.09% || -124.04% || -124.06% || -127.38% || -026.54% || -027.91%
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''91.7%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.7%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.8%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''91.7%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''91.5%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''91.6%'''
| style="text-align:left" | Expense ratio<sup>2</sup> || 24.9% || 24.4% || 24.6% || 27.8% || 26.4% || 27.1%
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''91.7%'''
| style="border-top:2px solid #a2a9b1" | '''93.7%'''
| style="border-top:2px solid #a2a9b1" | '''92.8%'''
| style="border-top:2px solid #a2a9b1" | '''91.7%'''
| style="border-top:2px solid #a2a9b1" | '''91.5%'''
| style="border-top:2px solid #a2a9b1" | '''91.6%'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Asia Pacific, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 1,746 || 2,047 || 3,793 || 2,004 || 2,103 || 4,107
|-
| style="text-align:left" | Ins.Insurance service expense: losses, grossrevenue¹ || (815)1,746.3 || (960)2,046.8 || (13,775)793.0 || (984)2,004.4 || (12,159)102.8 || (24,143)107.2
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (535815.3) || (617959.7) || (1,152775.1) || (605984.3) || (6211,159.0) || (12,225143.3)
|-
| style="text-align:left" | Net expensesIns. fromservice reinsexp.: contractsexpenses, held<sup>1</sup>gross || (231534.9) || (260617.1) || (4911,152.0) || (226604.9) || (153620.5) || (3791,225.5)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''165'''
| style="border-top:2px solid #a2a9b1" | '''210'''
| style="border-top:2px solid #a2a9b1" | '''375'''
| style="border-top:2px solid #a2a9b1" | '''189'''
| style="border-top:2px solid #a2a9b1" | '''170'''
| style="border-top:2px solid #a2a9b1" | '''359'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 75(231.1) || 104(259.7) || 180(490.8) || 100(225.8) || 107(153.2) || 207(379.0)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''164.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''210.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''375.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''189.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''170.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''359.4'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || (2) || 1 || (1) || 0 || (3) || (3)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''73'''
| style="border-top:2px solid #a2a9b1" | '''105'''
| style="border-top:2px solid #a2a9b1" | '''178'''
| style="border-top:2px solid #a2a9b1" | '''100'''
| style="border-top:2px solid #a2a9b1" | '''104'''
| style="border-top:2px solid #a2a9b1" | '''204'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) on Group inv. || (27)75.4 || (32)104.4 || (59)179.8 || (32)99.8 || (33)107.1 || (65)206.9
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''46'''
| style="border-top:2px solid #a2a9b1" | '''73'''
| style="border-top:2px solid #a2a9b1" | '''120'''
| style="border-top:2px solid #a2a9b1" | '''68'''
| style="border-top:2px solid #a2a9b1" | '''71'''
| style="border-top:2px solid #a2a9b1" | '''139'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 30(2.0) || 250.6 || 55(1.3) || 190.1 || 26(3.3) || 45(3.2)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''73.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''105.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''178.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''99.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''103.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''203.6'''
| style="text-align:left" | Fee business expenses || (37) || (42) || (79) || (36) || (47) || (83)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''(7)'''
| style="border-top:2px solid #a2a9b1" | '''(17)'''
| style="border-top:2px solid #a2a9b1" | '''(24)'''
| style="border-top:2px solid #a2a9b1" | '''(18)'''
| style="border-top:2px solid #a2a9b1" | '''(21)'''
| style="border-top:2px solid #a2a9b1" | '''(39)'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (5527.0) || (6131.7) || (11658.8) || (6032.0) || (5633.0) || (11765.0)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''46.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''73.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''119.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''67.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''70.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''138.6'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (55) || (52) || (107) || (61) || (65) || (126)
|-
| style="text-align:left" | IncomeFee taxincome (expense)/benefit|| attr29. to policyholders9 || (2)25.0 || (3)54.9 || (5)18.6 || 26.0 || (2) || (2)44.6
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''147'''
| style="border-top:2px solid #a2a9b1" | '''203'''
| style="border-top:2px solid #a2a9b1" | '''349'''
| style="border-top:2px solid #a2a9b1" | '''179'''
| style="border-top:2px solid #a2a9b1" | '''162'''
| style="border-top:2px solid #a2a9b1" | '''340'''
|-
| style="text-align:left" | NCIFee business expenses || (37.2) || 5(42.0) || 6(79.3) || (136.4) || (547.1) || (683.5)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''145'''
| style="border-top:2px solid #a2a9b1" | '''198'''
| style="border-top:2px solid #a2a9b1" | '''343'''
| style="border-top:2px solid #a2a9b1" | '''180'''
| style="border-top:2px solid #a2a9b1" | '''166'''
| style="border-top:2px solid #a2a9b1" | '''346'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(7.3)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(17.0)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(24.3)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(17.8)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(21.1)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(38.9)'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || (55.1) || (61.3) || (116.3) || (60.2) || (56.4) || (116.6)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (55.3) || (51.6) || (106.8) || (61.3) || (65.0) || (126.2)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || (2.0) || (2.8) || (4.8) || (0.4) || (1.7) || (2.2)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''146.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''202.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''349.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''178.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''161.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''340.4'''
|-
| style="text-align:left" | NCI || 1.5 || 4.9 || 6.4 || (1.3) || (4.6) || (5.9)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''145.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''197.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''343.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''180.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''166.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''346.3'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || 59.9% || 59.6% || 59.7% || 60.4% || 62.4% || 61.4%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || 0.2% || 0.0% || 0.1% || 0.5% || 0.3% || 0.4%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || -1.5% || -1.5% || -1.5% || -1.5% || -1.6% || -1.6%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || -13.52% || -1.52% || -12.52% || -14.52% || -12.61% || -13.62%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || -333.28% || -132.27% || -233.2% || -433.2% || -232.16% || -332.29%
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.7%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.2%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.9%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.6%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''95.0%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.3%'''
| style="text-align:left" | Expense ratio<sup>2</sup> || 33.8% || 32.7% || 33.2% || 33.2% || 32.6% || 32.9%
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''93.7%'''
| style="border-top:2px solid #a2a9b1" | '''92.2%'''
| style="border-top:2px solid #a2a9b1" | '''92.9%'''
| style="border-top:2px solid #a2a9b1" | '''93.6%'''
| style="border-top:2px solid #a2a9b1" | '''95.0%'''
| style="border-top:2px solid #a2a9b1" | '''94.3%'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Latin America, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 1,573 || 1,589 || 3,162 || 1,566 || 1,679 || 3,245
|-
| style="text-align:left" | Ins.Insurance servicerevenue¹ expense:|| losses1, gross573.3 || (630)1,588.7 || (475)3,161.9 || (1,105)566.5 || (540)1,679.0 || (580) || (13,120)245.5
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (618630.3) || (622475.1) || (1,240105.4) || (605540.2) || (674580.2) || (1,279120.4)
|-
| style="text-align:left" | Net expensesIns. fromservice reinsexp.: contractsexpenses, held<sup>1</sup>gross || (197617.6) || (338622.1) || (5351,239.7) || (233604.8) || (261674.2) || (4941,278.9)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''129'''
| style="border-top:2px solid #a2a9b1" | '''154'''
| style="border-top:2px solid #a2a9b1" | '''282'''
| style="border-top:2px solid #a2a9b1" | '''189'''
| style="border-top:2px solid #a2a9b1" | '''164'''
| style="border-top:2px solid #a2a9b1" | '''352'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 149(196.7) || 122(337.8) || 271(534.5) || 103(232.9) || 104(261.0) || 207(493.9)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''128.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''153.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''282.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''188.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''163.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''352.2'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 12 || (17) || (5) || 2 || (2) || 0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''161'''
| style="border-top:2px solid #a2a9b1" | '''105'''
| style="border-top:2px solid #a2a9b1" | '''265'''
| style="border-top:2px solid #a2a9b1" | '''105'''
| style="border-top:2px solid #a2a9b1" | '''101'''
| style="border-top:2px solid #a2a9b1" | '''207'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) on Group inv. || (45)148.9 || (33)121.7 || (78)270.6 || (31)103.2 || (26)103.8 || (58)207.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''115'''
| style="border-top:2px solid #a2a9b1" | '''72'''
| style="border-top:2px solid #a2a9b1" | '''187'''
| style="border-top:2px solid #a2a9b1" | '''74'''
| style="border-top:2px solid #a2a9b1" | '''75'''
| style="border-top:2px solid #a2a9b1" | '''149'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 011.9 || 0(17.1) || 0(5.2) || 2.0 || 0(2.3) || (0.3)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''160.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''104.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''265.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''105.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''101.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''206.7'''
| style="text-align:left" | Fee business expenses || 0 || 0 || 0 || (1) || (1) || (2)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''(1)'''
| style="border-top:2px solid #a2a9b1" | '''(1)'''
| style="border-top:2px solid #a2a9b1" | '''(2)'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (6445.3) || (6632.8) || (13078.1) || (7331.3) || (7326.4) || (14657.7)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''115.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''71.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''187.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''73.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''75.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''149.0'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (62) || (67) || (129) || (72) || (72) || (143)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''180'''
| style="border-top:2px solid #a2a9b1" | '''159'''
| style="border-top:2px solid #a2a9b1" | '''339'''
| style="border-top:2px solid #a2a9b1" | '''188'''
| style="border-top:2px solid #a2a9b1" | '''165'''
| style="border-top:2px solid #a2a9b1" | '''354'''
|-
| style="text-align:left" | NCIFee business expenses || 580.1 || 58(0.2) || 116(0.1) || 65(1.0) || 70(0.6) || 135(1.6)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''122'''
| style="border-top:2px solid #a2a9b1" | '''101'''
| style="border-top:2px solid #a2a9b1" | '''223'''
| style="border-top:2px solid #a2a9b1" | '''124'''
| style="border-top:2px solid #a2a9b1" | '''95'''
| style="border-top:2px solid #a2a9b1" | '''219'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.2)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.1)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(1.0)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.6)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(1.6)'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || (64.4) || (66.1) || (130.5) || (73.1) || (72.8) || (145.9)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (61.9) || (67.0) || (128.9) || (71.7) || (71.6) || (143.3)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''179.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''159.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''339.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''188.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''165.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''353.7'''
|-
| style="text-align:left" | NCI || 58.3 || 58.2 || 116.4 || 64.7 || 70.2 || 134.8
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''121.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''101.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''222.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''123.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''95.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''218.9'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || 52.6% || 51.2% || 51.9% || 49.4% || 50.1% || 49.7%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || 0.6% || -0.0% || 0.3% || 0.0% || 0.0% || 0.0%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY) || -1.9% || -1.4% || -1.7% || -1.6% || -1.1% || -1.3%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: PYD || 0.1% || -0.1% || -0.0% || -2.0% || -0.0% || -1.0%
|-
| style="text-align:left" | Expense ratio<sup>2</sup>² || 43.2% || 43.4% || 43.3% || 43.2% || 44.4% || 43.8%
|-
|- style="background:#eef1f5"
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''95.8%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.5%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''95.1%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.5%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.5%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.6%'''
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''95.8%'''
| style="border-top:2px solid #a2a9b1" | '''94.5%'''
| style="border-top:2px solid #a2a9b1" | '''95.1%'''
| style="border-top:2px solid #a2a9b1" | '''92.5%'''
| style="border-top:2px solid #a2a9b1" | '''94.5%'''
| style="border-top:2px solid #a2a9b1" | '''93.6%'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Group Reinsurance, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 398 || 400 || 799 || 414 || 417 || 831
|-
| style="text-align:left" | Ins. serviceInsurance expense: losses, grossrevenue¹ || (208)398.3 || (415)400.2 || (623)798.5 || (198)413.6 || (213)416.9 || (411)830.5
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (11208.0) || (18415.1) || (29623.1) || (20197.7) || (16213.3) || (36411.1)
|-
| style="text-align:left" | Net expensesIns. fromservice reinsexp.: contractsexpenses, held<sup>1</sup>gross || (23811.3) || (6317.7) || (30128.9) || (29719.8) || (17916.0) || (47635.8)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''(59)'''
| style="border-top:2px solid #a2a9b1" | '''(96)'''
| style="border-top:2px solid #a2a9b1" | '''(154)'''
| style="border-top:2px solid #a2a9b1" | '''(101)'''
| style="border-top:2px solid #a2a9b1" | '''8'''
| style="border-top:2px solid #a2a9b1" | '''(92)'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 1(237.8) || 3(63.1) || 4(300.9) || (3296.7) || 14(179.3) || 11(476.0)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(58.7)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(95.7)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(154.4)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(100.7)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''8.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(92.4)'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 1 || 2 || 3 || 2 || (2) || 0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''2'''
| style="border-top:2px solid #a2a9b1" | '''4'''
| style="border-top:2px solid #a2a9b1" | '''7'''
| style="border-top:2px solid #a2a9b1" | '''(1)'''
| style="border-top:2px solid #a2a9b1" | '''12'''
| style="border-top:2px solid #a2a9b1" | '''11'''
|-
| style="text-align:left" | Re-/InsNet inv. financeincome income/(expenses)on Group inv. || (11)1.2 || (16)2.7 || (27)3.9 || (153.2) || (17)14.2 || (32)11.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''(9)'''
| style="border-top:2px solid #a2a9b1" | '''(11)'''
| style="border-top:2px solid #a2a9b1" | '''(20)'''
| style="border-top:2px solid #a2a9b1" | '''(16)'''
| style="border-top:2px solid #a2a9b1" | '''(5)'''
| style="border-top:2px solid #a2a9b1" | '''(21)'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 1.0 || 01.8 || 02.8 || 01.8 || 0(1.8) || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''4.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''6.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(1.3)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''12.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''11.0'''
| style="text-align:left" | Fee business expenses || 0 || 0 || 0 || 0 || 0 || 0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (10.8) || 5(15.7) || 12(26.5) || (15.1) || (1817.3) || (1932.3)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(8.5)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(11.3)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(19.8)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(16.4)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(4.9)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(21.3)'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (21) || (24) || (45) || (23) || (42) || (65)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''(60)'''
| style="border-top:2px solid #a2a9b1" | '''(102)'''
| style="border-top:2px solid #a2a9b1" | '''(162)'''
| style="border-top:2px solid #a2a9b1" | '''(118)'''
| style="border-top:2px solid #a2a9b1" | '''(15)'''
| style="border-top:2px solid #a2a9b1" | '''(133)'''
|-
| style="text-align:left" | NCIFee business expenses || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''(60)'''
| style="border-top:2px solid #a2a9b1" | '''(102)'''
| style="border-top:2px solid #a2a9b1" | '''(162)'''
| style="border-top:2px solid #a2a9b1" | '''(118)'''
| style="border-top:2px solid #a2a9b1" | '''(15)'''
| style="border-top:2px solid #a2a9b1" | '''(133)'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || 7.6 || 4.6 || 12.3 || (0.8) || (18.1) || (18.9)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (20.6) || (24.2) || (44.9) || (22.8) || (42.1) || (64.8)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(59.6)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(102.4)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(162.0)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(117.9)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(14.7)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(132.7)'''
|-
| style="text-align:left" | NCI || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(59.6)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(102.4)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(162.0)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(117.9)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(14.7)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(132.7)'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.'''
| style="text-align:left" | Expense ratio<sup>2</sup> || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Eliminations, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || (1,232) || (1,367) || (2,598) || (1,292) || (1,429) || (2,721)
|-
| style="text-align:left" | Ins.Insurance service expense: losses, grossrevenue¹ || 487(1,231.6) || (1,272366.5) || 1(2,758598.1) || 360(1,291.6) || 635(1,429.1) || 996(2,720.7)
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (2)486.9 || 1,271.5 || (1),758.4 || (5)360.3 || (5)635.3 || (9)995.6
|-
| style="text-align:left" | Net expensesIns. fromservice reinsexp.: contractsexpenses, held<sup>1</sup>gross || 746(1.8) || 941.1 || 840(0.7) || 936(4.6) || 798(4.6) || 1,734(9.2)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || 0746.5 || 093.9 || 0840.4 || 0935.9 || 0798.4 || 01,734.3
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 0 || 0 || 0 || 0 || 0 || 0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) on Group inv. || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0'''
| style="text-align:left" | Fee business expenses || (1) || (1) || (2) || 1 || 0 || 1
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''(1)'''
| style="border-top:2px solid #a2a9b1" | '''(1)'''
| style="border-top:2px solid #a2a9b1" | '''(2)'''
| style="border-top:2px solid #a2a9b1" | '''1'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''1'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || 0.1 || 10.0 || 20.1 || (1)0.0 || (0.4) || (0.4)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.4)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.3)'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || 1 || 1 || 2 || (1) || 0 || (1)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left" | NCIFee business expenses || (0.6) || (1.0) || 0(1.6) || 0.5 || 0.0 || 0.5
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
| style="border-top:2px solid #a2a9b1" | '''0'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(0.6)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(1.0)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''(1.6)''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.5'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || 0.5 || 1.0 || 1.5 || (0.6) || 0.4 || (0.2)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || 0.5 || 1.0 || 1.5 || (0.5) || 0.0 || (0.6)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0'''
|-
| style="text-align:left" | NCI || 0.0 || 0.0 || 0.0 || 0.0 || 0.0 || 0.0
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''0.0'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''n.m.'''
| style="text-align:left" | Expense ratio<sup>2</sup> || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
| style="border-top:2px solid #a2a9b1" | '''n.m.'''
|}
 
{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance Group — PProperty &C Casualty: Total, Overview (USD mm) and Ratios, FY24–FY25
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:9em" | 1H24 !! style="background:#eaecf0; text-align:right; width:9em" | 2H24 !! style="background:#eaecf0; text-align:right; width:9em" | FY24 !! style="background:#eaecf0; text-align:right; width:9em" | 1H25 !! style="background:#eaecf0; text-align:right; width:9em" | 2H25 !! style="background:#eaecf0; text-align:right; width:9em" | FY25
|-
! style="background:#eaecf0; text-align:left" | !! style="background:#eaecf0; text-align:right; width:6em" | 1H24 !! style="background:#eaecf0; text-align:right; width:6em" | 2H24 !! style="background:#eaecf0; text-align:right; width:6em" | FY24 !! style="background:#eaecf0; text-align:right; width:6em" | 1H25 !! style="background:#eaecf0; text-align:right; width:6em" | 2H25 !! style="background:#eaecf0; text-align:right; width:6em" | FY25
| style="text-align:left" | Insurance revenue<sup>1</sup> || 21,446 || 23,346 || 44,792 || 23,014 || 25,220 || 48,234
|-
| style="text-align:left" | Ins.Insurance service expense: losses, grossrevenue¹ || (1221,108)445.7 || (1423,458)345.8 || (2644,566)791.5 || (1223,384)014.1 || (1425,818)219.5 || (2748,202)233.6
|-
| style="text-align:left" | Ins. service expenseexp.: expenseslosses, gross || (512,722107.8) || (614,191458.2) || (1126,913566.0) || (612,432383.9) || (714,009817.7) || (1327,441201.6)
|-
| style="text-align:left" | NetIns. expensesservice from reinsexp.: contractsexpenses, held<sup>1</sup>gross || (15,753721.8) || (16,059191.1) || (211,812912.9) || (16,972431.9) || (17,075008.7) || (313,047440.7)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Insurance service result'''
| style="border-top:2px solid #a2a9b1" | '''1,863'''
| style="border-top:2px solid #a2a9b1" | '''1,637'''
| style="border-top:2px solid #a2a9b1" | '''3,500'''
| style="border-top:2px solid #a2a9b1" | '''2,227'''
| style="border-top:2px solid #a2a9b1" | '''2,318'''
| style="border-top:2px solid #a2a9b1" | '''4,545'''
|-
| style="text-align:left" | Net invexp. incomefrom onreinsurance Groupcontracts inv.held¹ || (1,233753.0) || (1,270059.2) || (2,503812.2) || (1,276971.6) || (1,359075.0) || 2(3,635046.6)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Insurance service result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,863.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,637.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''3,500.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,226.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,318.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''4,544.7'''
| style="text-align:left" | Net capital gains/(losses) on Group inv. || 152 || 117 || 269 || 36 || 175 || 211
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result on Group inv.'''
| style="border-top:2px solid #a2a9b1" | '''1,386'''
| style="border-top:2px solid #a2a9b1" | '''1,387'''
| style="border-top:2px solid #a2a9b1" | '''2,772'''
| style="border-top:2px solid #a2a9b1" | '''1,312'''
| style="border-top:2px solid #a2a9b1" | '''1,534'''
| style="border-top:2px solid #a2a9b1" | '''2,846'''
|-
| style="text-align:left" | Re-/Ins.Net financeinv. income/(expenses) ||on (588)Group inv. || (645)1,233.2 || (1,233)269.8 || (659)2,503.0 || (679)1,276.0 || (1,338)359.4 || 2,635.4
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Net inv. result'''
| style="border-top:2px solid #a2a9b1" | '''797'''
| style="border-top:2px solid #a2a9b1" | '''742'''
| style="border-top:2px solid #a2a9b1" | '''1,539'''
| style="border-top:2px solid #a2a9b1" | '''653'''
| style="border-top:2px solid #a2a9b1" | '''855'''
| style="border-top:2px solid #a2a9b1" | '''1,508'''
|-
| style="text-align:left" | FeeNet incomecapital gains/(losses) on Group inv. || 243152.5 || 240116.9 || 483269.4 || 26735.9 || 263174.7 || 530210.7
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net inv. result on Group inv.''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,385.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,386.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,772.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,311.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,534.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,846.1'''
| style="text-align:left" | Fee business expenses || (186) || (200) || (385) || (227) || (221) || (448)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Fee result'''
| style="border-top:2px solid #a2a9b1" | '''57'''
| style="border-top:2px solid #a2a9b1" | '''40'''
| style="border-top:2px solid #a2a9b1" | '''98'''
| style="border-top:2px solid #a2a9b1" | '''40'''
| style="border-top:2px solid #a2a9b1" | '''43'''
| style="border-top:2px solid #a2a9b1" | '''83'''
|-
| style="text-align:left" | OtherRe-/Ins. resultfinance income/(expenses) || (420588.2) || (359644.9) || (7791,233.2) || (413658.8) || (435679.0) || (8481,337.8)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Net investment result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''797.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''741.9''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,539.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''653.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''855.1''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,508.2'''
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying expense || (484) || (436) || (919) || (479) || (518) || (997)
|-
| style="text-align:left" | IncomeFee tax (expense)/benefit attr. to policyholdersincome || (2)243.3 || (3)239.9 || (5)483.2 || 267.0 || (2)263.3 || (2)530.3
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP before NCI'''
| style="border-top:2px solid #a2a9b1" | '''2,296'''
| style="border-top:2px solid #a2a9b1" | '''2,058'''
| style="border-top:2px solid #a2a9b1" | '''4,353'''
| style="border-top:2px solid #a2a9b1" | '''2,507'''
| style="border-top:2px solid #a2a9b1" | '''2,779'''
| style="border-top:2px solid #a2a9b1" | '''5,286'''
|-
| style="text-align:left" | NCIFee business expenses || 71(185.8) || 78(199.6) || 149(385.4) || 78(226.8) || 79(220.7) || 157(447.5)
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''BOP'''
| style="border-top:2px solid #a2a9b1" | '''2,224'''
| style="border-top:2px solid #a2a9b1" | '''1,980'''
| style="border-top:2px solid #a2a9b1" | '''4,204'''
| style="border-top:2px solid #a2a9b1" | '''2,429'''
| style="border-top:2px solid #a2a9b1" | '''2,700'''
| style="border-top:2px solid #a2a9b1" | '''5,129'''
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Fee result''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''57.4''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''40.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''97.7''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''40.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''42.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''82.8'''
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% of insurance revenue)
|-
| style="text-align:left" | Other result || (420.3) || (358.9) || (779.2) || (412.6) || (435.2) || (847.7)
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: tech. non-qualifying exp. || (483.6) || (435.6) || (919.2) || (479.2) || (517.8) || (997.0)
|-
| style="text-align:left" | Income tax (exp.)/benefit attrib. to policyholders || (2.0) || (2.8) || (4.8) || (0.4) || (1.7) || (2.2)
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''BOP before NCI''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,295.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,057.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''4,353.3''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,507.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,778.8''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''5,285.8'''
|-
| style="text-align:left" | NCI || 71.4 || 77.5 || 148.9 || 77.9 || 79.2 || 157.2
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Business operating profit''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,224.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''1,980.2''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''4,204.5''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,429.0''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''2,699.6''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''5,128.6'''
|-
| colspan="7" style="text-align:left; border-top:2px solid #a2a9b1; background:#eaecf0" | '''Ratios, as % of insurance revenue'''
|-
| style="text-align:left" | Loss ratio || 64.6% || 66.5% || 65.6% || 62.4% || 63.0% || 62.7%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: catastrophes || 2.4% || 3.7% || 3.1% || 1.8% || 0.6% || 1.2%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which discount impact (curr. AY) || -4.0% || -3.2% || -3.6% || -3.5% || -3.1% || -3.3%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;of which: discount impact (curr. AY)PYD || -41.06% || -31.25% || -31.6% || -31.58% || -3.1.7% || -31.38%
|-
| style="text-align:left" | &nbsp;&nbsp;&nbsp;ofExpense which: PYDratio² || -128.69% || -128.54% || -128.6% || -130.80% || -129.78% || -129.89%
|-
| style="text-align:left; border-top:2px solid #a2a9b1; background:#eef1f5" | '''Combined ratio''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''93.6%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.9%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''94.2%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.4%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.9%''' || style="border-top:2px solid #a2a9b1; background:#eef1f5" | '''92.6%'''
| style="text-align:left" | Expense ratio<sup>2</sup> || 28.9% || 28.4% || 28.6% || 30.0% || 29.8% || 29.9%
|- style="background:#eef1f5"
| style="border-top:2px solid #a2a9b1; text-align:left" | '''Combined ratio'''
| style="border-top:2px solid #a2a9b1" | '''93.6%'''
| style="border-top:2px solid #a2a9b1" | '''94.9%'''
| style="border-top:2px solid #a2a9b1" | '''94.2%'''
| style="border-top:2px solid #a2a9b1" | '''92.4%'''
| style="border-top:2px solid #a2a9b1" | '''92.9%'''
| style="border-top:2px solid #a2a9b1" | '''92.6%'''
|}
 
<sup>1</supsmall>¹ Includes add-back and international programs business.</small><br>
<sup>2</supsmall>² Includes insurance service expenses reported in the insurance service result, as well as technical non-qualifying expenses reported in the other result.</small>
Retrieved from "https://www.insurerbrain.com/wiki/Test"