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{| class="wikitable" style="width:100%; text-align:right"
|+ 📊 Zurich Insurance — P&C Europe, Middle East & Africa, 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="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. service expense: losses, gross || (5,364) || (6,576) || (11,940) || (5,506) || (6,583) || (12,089)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (2,159) || (2,327) || (4,486) || (2,371) || (2,710) || (5,080)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (749) || (156) || (905) || (952) || (642) || (1,594)
|- 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 inv. income on Group inv. || 444 || 464 || 908 || 498 || 523 || 1,021
|-
| 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. finance income/(expenses) || (184) || (195) || (380) || (210) || (226) || (435)
|- 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" | Fee income || 109 || 113 || 222 || 115 || 121 || 236
|-
| 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" | Other result || (263) || (203) || (466) || (230) || (271) || (501)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (259) || (216) || (475) || (222) || (262) || (484)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || 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" | '''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" | NCI || 12 || 14 || 26 || 15 || 14 || 28
|- 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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || 1.0% || 1.7% || 1.4% || 1.0% || 0.5% || 0.7%
|-
| style="text-align:left" | of which: discount impact (curr. AY) || -3.2% || -2.8% || -3.0% || -2.6% || -2.5% || -2.6%
|-
| style="text-align:left" | of which: PYD || -2.4% || -2.1% || -2.3% || -2.6% || -2.4% || -2.5%
|-
| 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 — P&C 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="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. service expense: losses, gross || (5,577) || (7,304) || (12,881) || (5,516) || (6,917) || (12,433)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (2,397) || (2,609) || (5,005) || (2,827) || (2,984) || (5,811)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (1,085) || (336) || (1,421) || (1,200) || (638) || (1,838)
|- 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 inv. income on Group inv. || 564 || 577 || 1,141 || 578 || 611 || 1,189
|-
| 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. finance income/(expenses) || (321) || (369) || (690) || (371) || (376) || (747)
|- 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" | Fee income || 104 || 102 || 206 || 133 || 116 || 250
|-
| 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" | Other result || (46) || (35) || (80) || (48) || (17) || (65)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (87) || (78) || (165) || (101) || (78) || (178)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || 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" | '''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" | NCI || 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" | '''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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || 3.5% || 5.4% || 4.5% || 2.9% || 0.6% || 1.7%
|-
| style="text-align:left" | of which: discount impact (curr. AY) || -4.9% || -3.9% || -4.4% || -4.5% || -3.8% || -4.2%
|-
| style="text-align:left" | of which: PYD || -1.0% || -1.0% || -1.0% || -1.3% || -0.5% || -0.9%
|-
| 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 — P&C 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="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. service expense: losses, gross || (815) || (960) || (1,775) || (984) || (1,159) || (2,143)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (535) || (617) || (1,152) || (605) || (621) || (1,225)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (231) || (260) || (491) || (226) || (153) || (379)
|- 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 inv. income on Group inv. || 75 || 104 || 180 || 100 || 107 || 207
|-
| 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. finance income/(expenses) || (27) || (32) || (59) || (32) || (33) || (65)
|- 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" | Fee income || 30 || 25 || 55 || 19 || 26 || 45
|-
| 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" | Other result || (55) || (61) || (116) || (60) || (56) || (117)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (55) || (52) || (107) || (61) || (65) || (126)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || (2) || (3) || (5) || 0 || (2) || (2)
|- 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" | NCI || 2 || 5 || 6 || (1) || (5) || (6)
|- 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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || 0.2% || 0.0% || 0.1% || 0.5% || 0.3% || 0.4%
|-
| style="text-align:left" | of which: discount impact (curr. AY) || -1.5% || -1.5% || -1.5% || -1.5% || -1.6% || -1.6%
|-
| style="text-align:left" | of which: PYD || -3.2% || -1.2% || -2.2% || -4.2% || -2.1% || -3.2%
|-
| 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 — P&C 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="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. service expense: losses, gross || (630) || (475) || (1,105) || (540) || (580) || (1,120)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (618) || (622) || (1,240) || (605) || (674) || (1,279)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (197) || (338) || (535) || (233) || (261) || (494)
|- 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 inv. income on Group inv. || 149 || 122 || 271 || 103 || 104 || 207
|-
| 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. finance income/(expenses) || (45) || (33) || (78) || (31) || (26) || (58)
|- 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" | Fee income || 0 || 0 || 0 || 0 || 0 || 0
|-
| 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" | Other result || (64) || (66) || (130) || (73) || (73) || (146)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (62) || (67) || (129) || (72) || (72) || (143)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || 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" | NCI || 58 || 58 || 116 || 65 || 70 || 135
|- 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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || 0.6% || -0.0% || 0.3% || 0.0% || 0.0% || 0.0%
|-
| style="text-align:left" | of which: discount impact (curr. AY) || -1.9% || -1.4% || -1.7% || -1.6% || -1.1% || -1.3%
|-
| style="text-align:left" | of which: PYD || 0.1% || -0.1% || -0.0% || -2.0% || -0.0% || -1.0%
|-
| style="text-align:left" | Expense ratio<sup>2</sup> || 43.2% || 43.4% || 43.3% || 43.2% || 44.4% || 43.8%
|- style="background:#eef1f5"
| 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 — P&C 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="text-align:left" | Insurance revenue<sup>1</sup> || 398 || 400 || 799 || 414 || 417 || 831
|-
| style="text-align:left" | Ins. service expense: losses, gross || (208) || (415) || (623) || (198) || (213) || (411)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (11) || (18) || (29) || (20) || (16) || (36)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (238) || (63) || (301) || (297) || (179) || (476)
|- 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 inv. income on Group inv. || 1 || 3 || 4 || (3) || 14 || 11
|-
| 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-/Ins. finance income/(expenses) || (11) || (16) || (27) || (15) || (17) || (32)
|- 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" | Fee income || 0 || 0 || 0 || 0 || 0 || 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" | Other result || 8 || 5 || 12 || (1) || (18) || (19)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (21) || (24) || (45) || (23) || (42) || (65)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || 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" | NCI || 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)'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | of which: discount impact (curr. AY) || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | of which: PYD || n.m. || n.m. || n.m. || n.m. || n.m. || 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 — P&C 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="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. service expense: losses, gross || 487 || 1,272 || 1,758 || 360 || 635 || 996
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (2) || 1 || (1) || (5) || (5) || (9)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || 746 || 94 || 840 || 936 || 798 || 1,734
|- 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 inv. income on Group inv. || 0 || 0 || 0 || 0 || 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. finance income/(expenses) || 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" | Fee income || 0 || 0 || 0 || 0 || 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" | Other result || 1 || 1 || 2 || (1) || 0 || 0
|-
| style="text-align:left" | of which: tech. non-qualifying expense || 1 || 1 || 2 || (1) || 0 || (1)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || 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" | NCI || 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" | '''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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | of which: discount impact (curr. AY) || n.m. || n.m. || n.m. || n.m. || n.m. || n.m.
|-
| style="text-align:left" | of which: PYD || n.m. || n.m. || n.m. || n.m. || n.m. || 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 — P&C 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="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. service expense: losses, gross || (12,108) || (14,458) || (26,566) || (12,384) || (14,818) || (27,202)
|-
| style="text-align:left" | Ins. service expense: expenses, gross || (5,722) || (6,191) || (11,913) || (6,432) || (7,009) || (13,441)
|-
| style="text-align:left" | Net expenses from reins. contracts held<sup>1</sup> || (1,753) || (1,059) || (2,812) || (1,972) || (1,075) || (3,047)
|- 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 inv. income on Group inv. || 1,233 || 1,270 || 2,503 || 1,276 || 1,359 || 2,635
|-
| 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. finance income/(expenses) || (588) || (645) || (1,233) || (659) || (679) || (1,338)
|- 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" | Fee income || 243 || 240 || 483 || 267 || 263 || 530
|-
| 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" | Other result || (420) || (359) || (779) || (413) || (435) || (848)
|-
| style="text-align:left" | of which: tech. non-qualifying expense || (484) || (436) || (919) || (479) || (518) || (997)
|-
| style="text-align:left" | Income tax (expense)/benefit attr. to policyholders || (2) || (3) || (5) || 0 || (2) || (2)
|- 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" | NCI || 71 || 78 || 149 || 78 || 79 || 157
|- 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'''
|-
! colspan="7" style="background:#eaecf0; text-align:left" | Ratios (% 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" | of which: catastrophes || 2.4% || 3.7% || 3.1% || 1.8% || 0.6% || 1.2%
|-
| style="text-align:left" | of which: discount impact (curr. AY) || -4.0% || -3.2% || -3.6% || -3.5% || -3.1% || -3.3%
|-
| style="text-align:left" | of which: PYD || -1.6% || -1.5% || -1.6% || -1.8% || -1.7% || -1.8%
|-
| 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</sup> Includes add-back and international programs business
<sup>2</sup> Includes insurance service expenses reported in the insurance service result, as well as technical non-qualifying expenses reported in the other result
| |||