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📊 Zurich Insurance Group — Property & Casualty: Europe, Middle East & Africa (EMEA) (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 8,989.2 9,661.8 18,651.0 9,801.1 10,851.2 20,652.3
Ins. service exp.: losses, gross (5,364.2) (6,575.9) (11,940.1) (5,505.9) (6,583.3) (12,089.2)
Ins. service exp.: expenses, gross (2,159.4) (2,326.6) (4,486.1) (2,370.5) (2,709.7) (5,080.2)
Net exp. from reinsurance contracts held¹ (749.1) (156.3) (905.3) (952.1) (641.9) (1,594.0)
Insurance service result 716.5 603.0 1,319.5 972.5 916.3 1,888.8
Net inv. income on Group inv. 443.8 464.1 907.8 498.4 523.1 1,021.5
Net capital gains/(losses) on Group inv. 53.3 26.1 79.4 (6.8) 48.6 41.8
Net inv. result on Group inv. 497.0 490.2 987.2 491.5 571.8 1,063.3
Re-/Ins. finance income/(expenses) (184.2) (195.4) (379.5) (209.7) (225.7) (435.4)
Net investment result 312.9 294.8 607.7 281.9 346.0 627.9
Fee income 109.3 112.9 222.2 115.2 120.9 236.1
Fee business expenses (83.3) (86.9) (170.2) (85.8) (94.8) (180.7)
Fee result 26.1 26.0 52.0 29.4 26.0 55.4
Other result (263.1) (202.6) (465.7) (230.3) (271.2) (501.5)
   of which: tech. non-qualifying exp. (259.0) (216.2) (475.2) (222.3) (261.6) (483.9)
Income tax (exp.)/benefit attrib. to policyholders 0.0 0.0 0.0 0.0 0.0 0.0
BOP before NCI 792.3 721.2 1,513.5 1,053.4 1,017.2 2,070.7
NCI 11.6 14.5 26.0 14.6 13.7 28.3
Business operating profit 780.8 706.7 1,487.5 1,038.9 1,003.5 2,042.4
Ratios, as % of insurance revenue
Loss ratio 68.0% 69.7% 68.9% 65.9% 66.6% 66.3%
   of which catastrophes 1.0% 1.7% 1.4% 1.0% 0.5% 0.7%
   of which discount impact (curr. AY) -3.2% -2.8% -3.0% -2.6% -2.5% -2.6%
   of which PYD -2.4% -2.1% -2.3% -2.6% -2.4% -2.5%
Expense ratio² 26.9% 26.3% 26.6% 26.5% 27.4% 26.9%
Combined ratio 94.9% 96.0% 95.5% 92.3% 94.0% 93.2%
📊 Zurich Insurance Group — Property & Casualty: North America (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 9,970.2 11,014.9 20,985.1 10,520.1 11,598.8 22,118.9
Ins. service exp.: losses, gross (5,576.8) (7,303.9) (12,880.6) (5,516.0) (6,917.3) (12,433.3)
Ins. service exp.: expenses, gross (2,396.8) (2,608.7) (5,005.5) (2,827.3) (2,983.7) (5,811.1)
Net exp. from reinsurance contracts held¹ (1,084.8) (336.3) (1,421.1) (1,199.9) (638.0) (1,837.9)
Insurance service result 911.8 766.1 1,677.9 976.8 1,059.7 2,036.6
Net inv. income on Group inv. 563.9 576.9 1,140.8 577.8 611.2 1,189.0
Net capital gains/(losses) on Group inv. 88.2 105.5 193.7 38.9 133.6 172.4
Net inv. result on Group inv. 652.1 682.4 1,334.5 616.7 744.7 1,361.4
Re-/Ins. finance income/(expenses) (321.0) (369.3) (690.3) (370.7) (376.3) (747.0)
Net investment result 331.1 313.1 644.2 246.0 368.4 614.4
Fee income 104.0 101.9 206.0 133.2 116.4 249.6
Fee business expenses (64.8) (69.5) (134.3) (104.2) (78.1) (182.3)
Fee result 39.3 32.4 71.7 29.0 38.3 67.3
Other result (45.9) (34.5) (80.5) (47.5) (17.1) (64.6)
   of which: tech. non-qualifying exp. (87.3) (77.6) (164.8) (100.7) (77.5) (178.2)
Income tax (exp.)/benefit attrib. to policyholders 0.0 0.0 0.0 0.0 0.0 0.0
BOP before NCI 1,236.3 1,077.1 2,313.3 1,204.3 1,449.4 2,653.7
NCI 0.0 0.0 0.0 0.0 0.0 0.0
Business operating profit 1,236.3 1,077.1 2,313.3 1,204.3 1,449.4 2,653.7
Ratios, as % of insurance revenue
Loss ratio 66.8% 69.4% 68.2% 63.8% 65.1% 64.5%
   of which catastrophes 3.5% 5.4% 4.5% 2.9% 0.6% 1.7%
   of which discount impact (curr. AY) -4.9% -3.9% -4.4% -4.5% -3.8% -4.2%
   of which PYD -1.0% -1.0% -1.0% -1.3% -0.5% -0.9%
Expense ratio² 24.9% 24.4% 24.6% 27.8% 26.4% 27.1%
Combined ratio 91.7% 93.7% 92.8% 91.7% 91.5% 91.6%
📊 Zurich Insurance Group — Property & Casualty: Asia Pacific (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 1,746.3 2,046.8 3,793.0 2,004.4 2,102.8 4,107.2
Ins. service exp.: losses, gross (815.3) (959.7) (1,775.1) (984.3) (1,159.0) (2,143.3)
Ins. service exp.: expenses, gross (534.9) (617.1) (1,152.0) (604.9) (620.5) (1,225.5)
Net exp. from reinsurance contracts held¹ (231.1) (259.7) (490.8) (225.8) (153.2) (379.0)
Insurance service result 164.9 210.2 375.1 189.3 170.1 359.4
Net inv. income on Group inv. 75.4 104.4 179.8 99.8 107.1 206.9
Net capital gains/(losses) on Group inv. (2.0) 0.6 (1.3) 0.1 (3.3) (3.2)
Net inv. result on Group inv. 73.4 105.0 178.5 99.8 103.8 203.6
Re-/Ins. finance income/(expenses) (27.0) (31.7) (58.8) (32.0) (33.0) (65.0)
Net investment result 46.4 73.3 119.7 67.8 70.8 138.6
Fee income 29.9 25.0 54.9 18.6 26.0 44.6
Fee business expenses (37.2) (42.0) (79.3) (36.4) (47.1) (83.5)
Fee result (7.3) (17.0) (24.3) (17.8) (21.1) (38.9)
Other result (55.1) (61.3) (116.3) (60.2) (56.4) (116.6)
   of which: tech. non-qualifying exp. (55.3) (51.6) (106.8) (61.3) (65.0) (126.2)
Income tax (exp.)/benefit attrib. to policyholders (2.0) (2.8) (4.8) (0.4) (1.7) (2.2)
BOP before NCI 146.8 202.6 349.4 178.7 161.7 340.4
NCI 1.5 4.9 6.4 (1.3) (4.6) (5.9)
Business operating profit 145.3 197.6 343.0 180.0 166.3 346.3
Ratios, as % of insurance revenue
Loss ratio 59.9% 59.6% 59.7% 60.4% 62.4% 61.4%
   of which catastrophes 0.2% 0.0% 0.1% 0.5% 0.3% 0.4%
   of which discount impact (curr. AY) -1.5% -1.5% -1.5% -1.5% -1.6% -1.6%
   of which PYD -3.2% -1.2% -2.2% -4.2% -2.1% -3.2%
Expense ratio² 33.8% 32.7% 33.2% 33.2% 32.6% 32.9%
Combined ratio 93.7% 92.2% 92.9% 93.6% 95.0% 94.3%
📊 Zurich Insurance Group — Property & Casualty: Latin America (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 1,573.3 1,588.7 3,161.9 1,566.5 1,679.0 3,245.5
Ins. service exp.: losses, gross (630.3) (475.1) (1,105.4) (540.2) (580.2) (1,120.4)
Ins. service exp.: expenses, gross (617.6) (622.1) (1,239.7) (604.8) (674.2) (1,278.9)
Net exp. from reinsurance contracts held¹ (196.7) (337.8) (534.5) (232.9) (261.0) (493.9)
Insurance service result 128.6 153.7 282.3 188.7 163.6 352.2
Net inv. income on Group inv. 148.9 121.7 270.6 103.2 103.8 207.0
Net capital gains/(losses) on Group inv. 11.9 (17.1) (5.2) 2.0 (2.3) (0.3)
Net inv. result on Group inv. 160.8 104.7 265.5 105.2 101.5 206.7
Re-/Ins. finance income/(expenses) (45.3) (32.8) (78.1) (31.3) (26.4) (57.7)
Net investment result 115.5 71.9 187.3 73.9 75.1 149.0
Fee income 0.0 0.0 0.0 0.0 0.0 0.0
Fee business expenses 0.1 (0.2) (0.1) (1.0) (0.6) (1.6)
Fee result 0.1 (0.2) (0.1) (1.0) (0.6) (1.6)
Other result (64.4) (66.1) (130.5) (73.1) (72.8) (145.9)
   of which: tech. non-qualifying exp. (61.9) (67.0) (128.9) (71.7) (71.6) (143.3)
Income tax (exp.)/benefit attrib. to policyholders 0.0 0.0 0.0 0.0 0.0 0.0
BOP before NCI 179.8 159.3 339.1 188.4 165.3 353.7
NCI 58.3 58.2 116.4 64.7 70.2 134.8
Business operating profit 121.5 101.1 222.7 123.8 95.1 218.9
Ratios, as % of insurance revenue
Loss ratio 52.6% 51.2% 51.9% 49.4% 50.1% 49.7%
   of which catastrophes 0.6% -0.0% 0.3% 0.0% 0.0% 0.0%
   of which discount impact (curr. AY) -1.9% -1.4% -1.7% -1.6% -1.1% -1.3%
   of which PYD 0.1% -0.1% -0.0% -2.0% -0.0% -1.0%
Expense ratio² 43.2% 43.4% 43.3% 43.2% 44.4% 43.8%
Combined ratio 95.8% 94.5% 95.1% 92.5% 94.5% 93.6%
📊 Zurich Insurance Group — Property & Casualty: Group Reinsurance (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 398.3 400.2 798.5 413.6 416.9 830.5
Ins. service exp.: losses, gross (208.0) (415.1) (623.1) (197.7) (213.3) (411.1)
Ins. service exp.: expenses, gross (11.3) (17.7) (28.9) (19.8) (16.0) (35.8)
Net exp. from reinsurance contracts held¹ (237.8) (63.1) (300.9) (296.7) (179.3) (476.0)
Insurance service result (58.7) (95.7) (154.4) (100.7) 8.3 (92.4)
Net inv. income on Group inv. 1.2 2.7 3.9 (3.2) 14.2 11.0
Net capital gains/(losses) on Group inv. 1.0 1.8 2.8 1.8 (1.8) 0.0
Net inv. result on Group inv. 2.2 4.5 6.7 (1.3) 12.3 11.0
Re-/Ins. finance income/(expenses) (10.8) (15.7) (26.5) (15.1) (17.3) (32.3)
Net investment result (8.5) (11.3) (19.8) (16.4) (4.9) (21.3)
Fee income 0.0 0.0 0.0 0.0 0.0 0.0
Fee business expenses 0.0 0.0 0.0 0.0 0.0 0.0
Fee result 0.0 0.0 0.0 0.0 0.0 0.0
Other result 7.6 4.6 12.3 (0.8) (18.1) (18.9)
   of which: tech. non-qualifying exp. (20.6) (24.2) (44.9) (22.8) (42.1) (64.8)
Income tax (exp.)/benefit attrib. to policyholders 0.0 0.0 0.0 0.0 0.0 0.0
BOP before NCI (59.6) (102.4) (162.0) (117.9) (14.7) (132.7)
NCI 0.0 0.0 0.0 0.0 0.0 0.0
Business operating profit (59.6) (102.4) (162.0) (117.9) (14.7) (132.7)
Ratios, as % of insurance revenue
Loss ratio n.m. n.m. n.m. n.m. n.m. n.m.
   of which catastrophes n.m. n.m. n.m. n.m. n.m. n.m.
   of which discount impact (curr. AY) n.m. n.m. n.m. n.m. n.m. n.m.
   of which PYD n.m. n.m. n.m. n.m. n.m. n.m.
Expense ratio² n.m. n.m. n.m. n.m. n.m. n.m.
Combined ratio n.m. n.m. n.m. n.m. n.m. n.m.
📊 Zurich Insurance Group — Property & Casualty: Eliminations (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ (1,231.6) (1,366.5) (2,598.1) (1,291.6) (1,429.1) (2,720.7)
Ins. service exp.: losses, gross 486.9 1,271.5 1,758.4 360.3 635.3 995.6
Ins. service exp.: expenses, gross (1.8) 1.1 (0.7) (4.6) (4.6) (9.2)
Net exp. from reinsurance contracts held¹ 746.5 93.9 840.4 935.9 798.4 1,734.3
Insurance service result 0.0 0.0 0.0 0.0 0.0 0.0
Net inv. income on Group inv. 0.0 0.0 0.0 0.0 0.0 0.0
Net capital gains/(losses) on Group inv. 0.0 0.0 0.0 0.0 0.0 0.0
Net inv. result on Group inv. 0.0 0.0 0.0 0.0 0.0 0.0
Re-/Ins. finance income/(expenses) 0.1 0.0 0.1 0.0 (0.4) (0.4)
Net investment result 0.1 0.0 0.1 0.0 (0.4) (0.3)
Fee income 0.0 0.0 0.0 0.0 0.0 0.0
Fee business expenses (0.6) (1.0) (1.6) 0.5 0.0 0.5
Fee result (0.6) (1.0) (1.6) 0.5 0.0 0.5
Other result 0.5 1.0 1.5 (0.6) 0.4 (0.2)
   of which: tech. non-qualifying exp. 0.5 1.0 1.5 (0.5) 0.0 (0.6)
Income tax (exp.)/benefit attrib. to policyholders 0.0 0.0 0.0 0.0 0.0 0.0
BOP before NCI 0.0 0.0 0.0 0.0 0.0 0.0
NCI 0.0 0.0 0.0 0.0 0.0 0.0
Business operating profit 0.0 0.0 0.0 0.0 0.0 0.0
Ratios, as % of insurance revenue
Loss ratio n.m. n.m. n.m. n.m. n.m. n.m.
   of which catastrophes n.m. n.m. n.m. n.m. n.m. n.m.
   of which discount impact (curr. AY) n.m. n.m. n.m. n.m. n.m. n.m.
   of which PYD n.m. n.m. n.m. n.m. n.m. n.m.
Expense ratio² n.m. n.m. n.m. n.m. n.m. n.m.
Combined ratio n.m. n.m. n.m. n.m. n.m. n.m.
📊 Zurich Insurance Group — Property & Casualty: Total (USD mm), FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue¹ 21,445.7 23,345.8 44,791.5 23,014.1 25,219.5 48,233.6
Ins. service exp.: losses, gross (12,107.8) (14,458.2) (26,566.0) (12,383.9) (14,817.7) (27,201.6)
Ins. service exp.: expenses, gross (5,721.8) (6,191.1) (11,912.9) (6,431.9) (7,008.7) (13,440.7)
Net exp. from reinsurance contracts held¹ (1,753.0) (1,059.2) (2,812.2) (1,971.6) (1,075.0) (3,046.6)
Insurance service result 1,863.1 1,637.4 3,500.5 2,226.6 2,318.0 4,544.7
Net inv. income on Group inv. 1,233.2 1,269.8 2,503.0 1,276.0 1,359.4 2,635.4
Net capital gains/(losses) on Group inv. 152.5 116.9 269.4 35.9 174.7 210.7
Net inv. result on Group inv. 1,385.6 1,386.8 2,772.4 1,311.9 1,534.1 2,846.1
Re-/Ins. finance income/(expenses) (588.2) (644.9) (1,233.2) (658.8) (679.0) (1,337.8)
Net investment result 797.4 741.9 1,539.3 653.2 855.1 1,508.2
Fee income 243.3 239.9 483.2 267.0 263.3 530.3
Fee business expenses (185.8) (199.6) (385.4) (226.8) (220.7) (447.5)
Fee result 57.4 40.3 97.7 40.2 42.6 82.8
Other result (420.3) (358.9) (779.2) (412.6) (435.2) (847.7)
   of which: tech. non-qualifying exp. (483.6) (435.6) (919.2) (479.2) (517.8) (997.0)
Income tax (exp.)/benefit attrib. to policyholders (2.0) (2.8) (4.8) (0.4) (1.7) (2.2)
BOP before NCI 2,295.6 2,057.8 4,353.3 2,507.0 2,778.8 5,285.8
NCI 71.4 77.5 148.9 77.9 79.2 157.2
Business operating profit 2,224.2 1,980.2 4,204.5 2,429.0 2,699.6 5,128.6
Ratios, as % of insurance revenue
Loss ratio 64.6% 66.5% 65.6% 62.4% 63.0% 62.7%
   of which catastrophes 2.4% 3.7% 3.1% 1.8% 0.6% 1.2%
   of which discount impact (curr. AY) -4.0% -3.2% -3.6% -3.5% -3.1% -3.3%
   of which PYD -1.6% -1.5% -1.6% -1.8% -1.7% -1.8%
Expense ratio² 28.9% 28.4% 28.6% 30.0% 29.8% 29.9%
Combined ratio 93.6% 94.9% 94.2% 92.4% 92.9% 92.6%

¹ Includes add-back and international programs business.
² Includes insurance service expenses reported in the insurance service result, as well as technical non-qualifying expenses reported in the other result.

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