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📊 Zurich Insurance — P&C Europe, Middle East & Africa, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 8,989 9,662 18,651 9,801 10,851 20,652
Ins. service expense: losses, gross (5,364) (6,576) (11,940) (5,506) (6,583) (12,089)
Ins. service expense: expenses, gross (2,159) (2,327) (4,486) (2,371) (2,710) (5,080)
Net expenses from reins. contracts held1 (749) (156) (905) (952) (642) (1,594)
Insurance service result 716 603 1,320 973 916 1,889
Net inv. income on Group inv. 444 464 908 498 523 1,021
Net capital gains/(losses) on Group inv. 53 26 79 (7) 49 42
Net inv. result on Group inv. 497 490 987 492 572 1,063
Re-/Ins. finance income/(expenses) (184) (195) (380) (210) (226) (435)
Net inv. result 313 295 608 282 346 628
Fee income 109 113 222 115 121 236
Fee business expenses (83) (87) (170) (86) (95) (181)
Fee result 26 26 52 29 26 55
Other result (263) (203) (466) (230) (271) (501)
   of which: tech. non-qualifying expense (259) (216) (475) (222) (262) (484)
Income tax (expense)/benefit attr. to policyholders 0 0 0 0 0 0
BOP before NCI 792 721 1,514 1,053 1,017 2,071
NCI 12 14 26 15 14 28
BOP 781 707 1,487 1,039 1,004 2,042
Ratios (% 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 — P&C North America, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 9,970 11,015 20,985 10,520 11,599 22,119
Ins. service expense: losses, gross (5,577) (7,304) (12,881) (5,516) (6,917) (12,433)
Ins. service expense: expenses, gross (2,397) (2,609) (5,005) (2,827) (2,984) (5,811)
Net expenses from reins. contracts held1 (1,085) (336) (1,421) (1,200) (638) (1,838)
Insurance service result 912 766 1,678 977 1,060 2,037
Net inv. income on Group inv. 564 577 1,141 578 611 1,189
Net capital gains/(losses) on Group inv. 88 106 194 39 134 172
Net inv. result on Group inv. 652 682 1,335 617 745 1,361
Re-/Ins. finance income/(expenses) (321) (369) (690) (371) (376) (747)
Net inv. result 331 313 644 246 368 614
Fee income 104 102 206 133 116 250
Fee business expenses (65) (70) (134) (104) (78) (182)
Fee result 39 32 72 29 38 67
Other result (46) (35) (80) (48) (17) (65)
   of which: tech. non-qualifying expense (87) (78) (165) (101) (78) (178)
Income tax (expense)/benefit attr. to policyholders 0 0 0 0 0 0
BOP before NCI 1,236 1,077 2,313 1,204 1,449 2,654
NCI 0 0 0 0 0 0
BOP 1,236 1,077 2,313 1,204 1,449 2,654
Ratios (% 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 — P&C Asia Pacific, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 1,746 2,047 3,793 2,004 2,103 4,107
Ins. service expense: losses, gross (815) (960) (1,775) (984) (1,159) (2,143)
Ins. service expense: expenses, gross (535) (617) (1,152) (605) (621) (1,225)
Net expenses from reins. contracts held1 (231) (260) (491) (226) (153) (379)
Insurance service result 165 210 375 189 170 359
Net inv. income on Group inv. 75 104 180 100 107 207
Net capital gains/(losses) on Group inv. (2) 1 (1) 0 (3) (3)
Net inv. result on Group inv. 73 105 178 100 104 204
Re-/Ins. finance income/(expenses) (27) (32) (59) (32) (33) (65)
Net inv. result 46 73 120 68 71 139
Fee income 30 25 55 19 26 45
Fee business expenses (37) (42) (79) (36) (47) (83)
Fee result (7) (17) (24) (18) (21) (39)
Other result (55) (61) (116) (60) (56) (117)
   of which: tech. non-qualifying expense (55) (52) (107) (61) (65) (126)
Income tax (expense)/benefit attr. to policyholders (2) (3) (5) 0 (2) (2)
BOP before NCI 147 203 349 179 162 340
NCI 2 5 6 (1) (5) (6)
BOP 145 198 343 180 166 346
Ratios (% 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 — P&C Latin America, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 1,573 1,589 3,162 1,566 1,679 3,245
Ins. service expense: losses, gross (630) (475) (1,105) (540) (580) (1,120)
Ins. service expense: expenses, gross (618) (622) (1,240) (605) (674) (1,279)
Net expenses from reins. contracts held1 (197) (338) (535) (233) (261) (494)
Insurance service result 129 154 282 189 164 352
Net inv. income on Group inv. 149 122 271 103 104 207
Net capital gains/(losses) on Group inv. 12 (17) (5) 2 (2) 0
Net inv. result on Group inv. 161 105 265 105 101 207
Re-/Ins. finance income/(expenses) (45) (33) (78) (31) (26) (58)
Net inv. result 115 72 187 74 75 149
Fee income 0 0 0 0 0 0
Fee business expenses 0 0 0 (1) (1) (2)
Fee result 0 0 0 (1) (1) (2)
Other result (64) (66) (130) (73) (73) (146)
   of which: tech. non-qualifying expense (62) (67) (129) (72) (72) (143)
Income tax (expense)/benefit attr. to policyholders 0 0 0 0 0 0
BOP before NCI 180 159 339 188 165 354
NCI 58 58 116 65 70 135
BOP 122 101 223 124 95 219
Ratios (% 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 — P&C Group Reinsurance, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 398 400 799 414 417 831
Ins. service expense: losses, gross (208) (415) (623) (198) (213) (411)
Ins. service expense: expenses, gross (11) (18) (29) (20) (16) (36)
Net expenses from reins. contracts held1 (238) (63) (301) (297) (179) (476)
Insurance service result (59) (96) (154) (101) 8 (92)
Net inv. income on Group inv. 1 3 4 (3) 14 11
Net capital gains/(losses) on Group inv. 1 2 3 2 (2) 0
Net inv. result on Group inv. 2 4 7 (1) 12 11
Re-/Ins. finance income/(expenses) (11) (16) (27) (15) (17) (32)
Net inv. result (9) (11) (20) (16) (5) (21)
Fee income 0 0 0 0 0 0
Fee business expenses 0 0 0 0 0 0
Fee result 0 0 0 0 0 0
Other result 8 5 12 (1) (18) (19)
   of which: tech. non-qualifying expense (21) (24) (45) (23) (42) (65)
Income tax (expense)/benefit attr. to policyholders 0 0 0 0 0 0
BOP before NCI (60) (102) (162) (118) (15) (133)
NCI 0 0 0 0 0 0
BOP (60) (102) (162) (118) (15) (133)
Ratios (% 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 — P&C Eliminations, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 (1,232) (1,367) (2,598) (1,292) (1,429) (2,721)
Ins. service expense: losses, gross 487 1,272 1,758 360 635 996
Ins. service expense: expenses, gross (2) 1 (1) (5) (5) (9)
Net expenses from reins. contracts held1 746 94 840 936 798 1,734
Insurance service result 0 0 0 0 0 0
Net inv. income on Group inv. 0 0 0 0 0 0
Net capital gains/(losses) on Group inv. 0 0 0 0 0 0
Net inv. result on Group inv. 0 0 0 0 0 0
Re-/Ins. finance income/(expenses) 0 0 0 0 0 0
Net inv. result 0 0 0 0 0 0
Fee income 0 0 0 0 0 0
Fee business expenses (1) (1) (2) 1 0 1
Fee result (1) (1) (2) 1 0 1
Other result 1 1 2 (1) 0 0
   of which: tech. non-qualifying expense 1 1 2 (1) 0 (1)
Income tax (expense)/benefit attr. to policyholders 0 0 0 0 0 0
BOP before NCI 0 0 0 0 0 0
NCI 0 0 0 0 0 0
BOP 0 0 0 0 0 0
Ratios (% 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 — P&C Total, Overview (USD mm) and Ratios, FY24–FY25
1H24 2H24 FY24 1H25 2H25 FY25
Insurance revenue1 21,446 23,346 44,792 23,014 25,220 48,234
Ins. service expense: losses, gross (12,108) (14,458) (26,566) (12,384) (14,818) (27,202)
Ins. service expense: expenses, gross (5,722) (6,191) (11,913) (6,432) (7,009) (13,441)
Net expenses from reins. contracts held1 (1,753) (1,059) (2,812) (1,972) (1,075) (3,047)
Insurance service result 1,863 1,637 3,500 2,227 2,318 4,545
Net inv. income on Group inv. 1,233 1,270 2,503 1,276 1,359 2,635
Net capital gains/(losses) on Group inv. 152 117 269 36 175 211
Net inv. result on Group inv. 1,386 1,387 2,772 1,312 1,534 2,846
Re-/Ins. finance income/(expenses) (588) (645) (1,233) (659) (679) (1,338)
Net inv. result 797 742 1,539 653 855 1,508
Fee income 243 240 483 267 263 530
Fee business expenses (186) (200) (385) (227) (221) (448)
Fee result 57 40 98 40 43 83
Other result (420) (359) (779) (413) (435) (848)
   of which: tech. non-qualifying expense (484) (436) (919) (479) (518) (997)
Income tax (expense)/benefit attr. to policyholders (2) (3) (5) 0 (2) (2)
BOP before NCI 2,296 2,058 4,353 2,507 2,779 5,286
NCI 71 78 149 78 79 157
BOP 2,224 1,980 4,204 2,429 2,700 5,129
Ratios (% 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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