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Created page with "== BOP by business == === Business operating profit by business === ''in USD millions'' {| class="wikitable" style="text-align:right;" |- ! scope="col" | ! scope="col" colspan="6" | Property & Casualty ! scope="col" colspan="6" | Life ! scope="col" colspan="6" | Farmers ! scope="col" colspan="6" | Group Functions and Operations ! scope="col" colspan="6" | Non-Core Businesses ! scope="col" colspan="6" | Eliminations ! scope="col" colspan="6" | Total |- ! ! colspan="3" |..."
 
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''in USD millions''
''in USD millions''


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{| class="wikitable" style="text-align:right;"
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| 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 1047.5 || 1187.3 || 2234.9 || 1030.7 || 1257.5 || 2288.2 || 1114.9 || 1170.7 || 2285.6 || 1154.3 || 1232.8 || 2387.2 || (358.2) || (511.9) || (870.1) || (397.3) || (502.5) || (899.7) || (40.4) || (63.5) || (104.0) || 10.5 || (58.7) || (48.2) || - || - || - || 0.1 || 0.1 || 0.1 || 3988.0 || 3762.8 || 7750.8 || 4227.3 || 4628.8 || 8856.1
| 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 1047.5 || 1187.3 || 2234.9 || 1030.7 || 1257.5 || 2288.2 || 1114.9 || 1170.7 || 2285.6 || 1154.3 || 1232.8 || 2387.2 || (358.2) || (511.9) || (870.1) || (397.3) || (502.5) || (899.7) || (40.4) || (63.5) || (104.0) || 10.5 || (58.7) || (48.2) || - || - || - || 0.1 || 0.1 || 0.1 || 3988.0 || 3762.8 || 7750.8 || 4227.3 || 4628.8 || 8856.1
|}
|}
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== P&C by country & customer unit ==
== P&C by country & customer unit ==
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''in USD millions''
''in USD millions''


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| 25342.3 || 21281.9 || 46624.2 || 27143.7 || 23277.8 || 50421.5 || 21445.8 || 23345.8 || 44791.6 || 23014.1 || 25219.5 || 48233.6 || 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 93.6% || 94.9% || 94.2% || 92.4% || 92.9% || 92.6% || 64.6% || 66.5% || 65.6% || 62.4% || 63.0% || 62.7% || 28.9% || 28.4% || 28.6% || 30.0% || 29.8% || 29.9%
| 25342.3 || 21281.9 || 46624.2 || 27143.7 || 23277.8 || 50421.5 || 21445.8 || 23345.8 || 44791.6 || 23014.1 || 25219.5 || 48233.6 || 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 93.6% || 94.9% || 94.2% || 92.4% || 92.9% || 92.6% || 64.6% || 66.5% || 65.6% || 62.4% || 63.0% || 62.7% || 28.9% || 28.4% || 28.6% || 30.0% || 29.8% || 29.9%
|}
|}
</div>


=== Property & Casualty – Overview by customer unit ===
=== Property & Casualty – Overview by customer unit ===
''in USD millions''
''in USD millions''


<div style="overflow-x: auto; max-width: 100%;">
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| 25342.3 || 21281.9 || 46624.2 || 27143.7 || 23277.8 || 50421.5 || 21445.7 || 23345.8 || 44791.5 || 23014.1 || 25219.5 || 48233.6 || 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 93.6% || 94.9% || 94.2% || 92.4% || 92.9% || 92.6% || 64.6% || 66.5% || 65.6% || 62.4% || 63.0% || 62.7% || 28.9% || 28.4% || 28.6% || 30.0% || 29.8% || 29.9%
| 25342.3 || 21281.9 || 46624.2 || 27143.7 || 23277.8 || 50421.5 || 21445.7 || 23345.8 || 44791.5 || 23014.1 || 25219.5 || 48233.6 || 2224.2 || 1980.2 || 4204.5 || 2429.0 || 2699.6 || 5128.6 || 93.6% || 94.9% || 94.2% || 92.4% || 92.9% || 92.6% || 64.6% || 66.5% || 65.6% || 62.4% || 63.0% || 62.7% || 28.9% || 28.4% || 28.6% || 30.0% || 29.8% || 29.9%
|}
|}
</div>

Revision as of 13:07, 24 February 2026

BOP by business

Business operating profit by business

in USD millions

Property & Casualty Life Farmers Group Functions and Operations Non-Core Businesses Eliminations Total
2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025
H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25
Insurance revenue 21445.7 23345.8 44791.5 23014.1 25219.5 48233.6 5796.9 5902.8 11699.7 5775.2 6547.7 12322.9 1456.0 1485.4 2941.4 1111.8 1133.5 2245.3 - - - - - - 45.5 51.8 97.2 78.7 92.1 170.8 (8.2) (14.2) (22.4) (11.1) (16.1) (27.2) 28735.9 30771.6 59507.5 29968.6 32976.7 62945.4
Insurance service expense (17829.6) (20649.3) (38478.9) (18815.8) (21826.5) (40642.3) (4540.6) (4589.6) (9130.2) (4496.7) (5166.8) (9663.5) (1304.6) (1220.0) (2524.6) (897.1) (869.1) (1766.2) (0.3) 0.4 0.1 (0.2) (0.2) (0.4) (69.9) (268.5) (338.4) (210.7) (132.4) (343.1) 4.9 10.7 15.6 18.8 15.1 33.9 (23740.1) (26716.3) (50456.4) (24401.9) (27979.8) (52381.6)
Net expenses from reinsurance contracts held (1753.0) (1059.2) (2812.2) (1971.6) (1075.0) (3046.6) (84.6) (76.3) (160.8) (92.7) (78.5) (171.3) (63.7) (145.4) (209.1) (108.3) (103.0) (211.2) - - - - - - 30.5 113.9 144.4 132.4 7.1 139.6 3.3 3.5 6.8 (7.6) 0.9 (6.7) (1867.5) (1163.4) (3030.9) (2047.8) (1248.4) (3296.2)
Insurance service result 1863.1 1637.4 3500.5 2226.6 2318.0 4544.7 1171.7 1237.0 2408.7 1185.8 1302.3 2488.1 87.6 120.0 207.7 106.4 161.5 267.9 (0.3) 0.4 0.1 (0.2) (0.2) (0.4) 6.1 (102.9) (96.8) 0.4 (33.2) (32.8) - - - - - - 3128.3 2891.9 6020.2 3519.0 3748.6 7267.5
Net investment income on Group investments 1233.2 1269.8 2503.0 1276.0 1359.4 2635.4 1521.3 1470.8 2992.1 1374.8 1504.1 2878.9 23.1 23.1 46.3 24.6 24.0 48.6 127.7 110.5 238.2 108.8 106.2 215.0 67.9 80.0 148.0 58.2 54.5 112.7 (110.9) (86.4) (197.3) (74.2) (73.9) (148.1) 2862.3 2868.0 5730.3 2768.2 2974.2 5742.4
Net capital gains/(losses) on Group investments 152.5 116.9 269.4 35.9 174.7 210.7 (48.0) (72.8) (120.8) (140.1) 4.8 (135.3) (3.4) (0.2) (3.6) 0.0 0.0 0.0 73.9 82.3 156.2 87.4 53.4 140.8 (53.4) (6.3) (59.7) 33.0 (1.9) 31.1 - - - - - - 121.6 119.9 241.5 16.3 231.0 247.3
Net investment result on Group investments 1385.6 1386.8 2772.4 1311.9 1534.1 2846.1 1473.3 1398.1 2871.3 1234.7 1508.9 2743.6 19.8 22.9 42.6 24.6 24.0 48.6 201.6 192.8 394.4 196.2 159.6 355.8 14.5 73.7 88.2 91.2 52.6 143.8 (110.9) (86.4) (197.3) (74.2) (73.9) (148.1) 2983.9 2987.9 5971.8 2784.5 3205.3 5989.7
Net investment income on unit-linked investments - - - - - - 640.9 619.2 1260.1 640.4 633.2 1273.6 18.9 45.5 64.4 49.4 78.7 128.1 - - - - - - 0.1 0.0 0.1 0.1 0.0 0.1 - - - - - - 659.9 664.7 1324.6 689.9 712.0 1401.8
Change in liabilities for investment contracts and other funds - - - - - - (444.1) (398.2) (842.3) (462.6) (416.0) (878.6) (0.7) (0.9) (1.6) (0.8) (0.6) (1.5) - - - - - - (3.6) (3.6) (7.2) (3.4) (3.4) (6.8) - - - - - - (448.5) (402.7) (851.2) (466.8) (420.0) (886.8)
Re-/Insurance finance income/(expenses) (588.2) (644.9) (1233.2) (658.8) (679.0) (1337.8) (1380.1) (1305.2) (2685.4) (1181.4) (1301.7) (2483.1) (8.8) (38.3) (47.2) (49.8) (80.3) (130.1) - - - - - - (10.4) (26.1) (36.4) (74.8) (64.5) (139.3) 0.0 (0.0) 0.0 (0.0) (0.0) (0.0) (1987.5) (2014.5) (4002.1) (1964.9) (2125.5) (4090.3)
Net investment result 797.4 741.9 1539.3 653.2 855.1 1508.2 290.0 313.8 603.8 231.1 424.4 655.5 29.1 29.2 58.3 23.3 21.8 45.1 201.6 192.8 394.4 196.2 159.6 355.8 0.6 44.0 44.6 13.1 (15.3) (2.2) (110.9) (86.4) (197.2) (74.2) (73.9) (148.1) 1207.8 1235.3 2443.1 1042.7 1371.7 2414.4
Fee income 243.3 239.9 483.2 267.0 263.3 530.3 460.1 491.3 951.4 508.2 596.8 1105.0 2265.6 2311.1 4576.8 2273.1 2464.2 4737.2 0.0 (0.8) (0.7) 0.0 0.0 0.0 0.0 0.0 0.1 0.0 0.2 0.2 0.0 (0.0) - 0.0 (0.0) - 2969.1 3041.6 6010.7 3048.3 3324.4 6372.7
Fee business expenses (185.8) (199.6) (385.4) (226.8) (220.7) (447.5) (325.8) (319.8) (645.6) (352.9) (389.4) (742.3) (1250.0) (1285.2) (2535.2) (1229.5) (1401.4) (2630.9) (0.2) (0.0) (0.2) (0.1) (0.0) (0.1) (0.0) (0.0) (0.0) - - - (4.0) (4.7) (8.8) (5.1) (4.2) (9.3) (1765.8) (1809.4) (3575.1) (1814.4) (2015.7) (3830.0)
Fee result 57.4 40.3 97.7 40.2 42.6 82.8 134.3 171.5 305.9 155.3 207.4 362.7 1015.6 1025.9 2041.6 1043.6 1062.8 2106.4 (0.1) (0.8) (0.9) (0.0) (0.0) (0.1) 0.0 0.0 0.1 0.0 0.2 0.2 (4.0) (4.8) (8.8) (5.1) (4.2) (9.3) 1203.3 1232.2 2435.5 1234.0 1308.7 2542.7
Other revenues 205.7 255.1 460.8 201.1 203.2 404.3 159.2 99.9 259.2 78.9 77.1 156.0 29.0 37.6 66.6 23.7 37.2 60.9 127.7 122.9 250.6 95.8 89.7 185.5 12.2 12.2 24.4 21.5 14.0 35.6 (335.5) (367.9) (703.4) (285.4) (262.7) (548.0) 198.3 159.8 358.1 135.7 158.6 294.3
Interest expense on debt (41.8) (38.1) (80.0) (35.2) (35.3) (70.4) (31.2) (21.8) (53.0) (10.4) (22.4) (32.8) (7.0) (0.0) (7.0) (0.1) (0.2) (0.3) (370.8) (365.3) (736.2) (319.7) (354.6) (674.3) (32.1) (30.5) (62.6) (19.7) (6.2) (25.9) 257.6 241.0 498.6 173.9 169.3 343.2 (225.3) (214.8) (440.1) (211.2) (249.3) (460.5)
Other expenses (709.8) (761.5) (1471.4) (682.6) (845.7) (1528.2) (333.0) (367.9) (700.9) (363.4) (494.1) (857.5) (74.9) (76.6) (151.5) (83.4) (105.1) (188.4) (369.4) (480.1) (849.6) (430.7) (409.9) (840.7) (27.4) (73.8) (101.2) 3.2 (19.4) (16.3) 192.7 218.1 410.8 190.9 171.5 362.3 (1321.8) (1541.9) (2863.7) (1366.1) (1702.6) (3068.7)
Restructuring costs and other items not relevant for BOP 125.7 185.6 311.3 104.0 242.5 346.6 26.1 17.9 44.0 64.4 136.0 200.4 35.4 34.6 70.0 40.8 54.8 95.6 53.1 18.3 71.4 61.4 12.7 74.1 0.2 87.3 87.5 (8.0) 1.1 (6.9) - - - - - - 240.4 343.7 584.1 262.7 447.1 709.8
Other result (420.3) (358.9) (779.2) (412.6) (435.2) (847.7) (178.8) (271.9) (450.7) (230.5) (303.4) (533.9) (17.4) (4.5) (21.9) (19.0) (13.2) (32.2) (559.5) (704.3) (1263.8) (593.2) (662.1) (1255.3) (47.2) (4.7) (51.9) (3.0) (10.5) (13.5) 114.9 91.1 206.0 79.4 78.1 157.5 (1108.3) (1253.2) (2361.5) (1178.9) (1346.2) (2525.1)
Income tax (expense)/benefit attributable to policyholders (BOP relevant) (2.0) (2.8) (4.8) (0.4) (1.7) (2.2) (130.5) (32.3) (162.7) (77.1) (141.2) (218.4) - - - - - - - - - - - - - - - - - - - - - - - - (132.5) (35.1) (167.6) (77.6) (143.0) (220.6)
Business operating profit before non-controlling interests 2295.6 2057.8 4353.3 2507.0 2778.8 5285.8 1286.8 1418.1 2704.9 1264.6 1489.5 2754.2 1114.9 1170.7 2285.6 1154.3 1232.8 2387.2 (358.3) (511.9) (870.2) (397.3) (502.7) (900.0) (40.4) (63.5) (104.0) 10.5 (58.7) (48.2) - - - 0.1 0.1 0.1 4298.6 4071.1 8369.7 4539.1 4939.8 9479.0
Non-controlling interest 71.4 77.5 148.9 77.9 79.2 157.2 239.3 230.8 470.1 234.0 232.0 466.0 - - - - - - (0.0) (0.0) (0.1) (0.0) (0.2) (0.3) - - - - - - - - - - - - 310.6 308.3 618.9 311.8 311.0 622.8
Business operating profit 2224.2 1980.2 4204.5 2429.0 2699.6 5128.6 1047.5 1187.3 2234.9 1030.7 1257.5 2288.2 1114.9 1170.7 2285.6 1154.3 1232.8 2387.2 (358.2) (511.9) (870.1) (397.3) (502.5) (899.7) (40.4) (63.5) (104.0) 10.5 (58.7) (48.2) - - - 0.1 0.1 0.1 3988.0 3762.8 7750.8 4227.3 4628.8 8856.1

P&C by country & customer unit

Property & Casualty – Overview by country

in USD millions

Gross written premium Insurance revenue Business operating profit Combined ratio Loss ratio Expense ratio
2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025
H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25
Germany 1963.2 1434.4 3397.7 2185.6 1749.2 3934.8 1546.2 1697.4 3243.5 1723.6 2028.0 3751.6 0.5 27.8 28.3 204.1 170.7 374.8 104.7% 104.0% 104.3% 92.4% 95.5% 94.1% 73.6% 73.4% 73.5% 63.2% 65.1% 64.3% 31.1% 30.6% 30.8% 29.2% 30.4% 29.8%
Ireland 250.0 224.5 474.4 248.1 242.0 490.2 229.5 239.0 468.5 236.1 255.3 491.3 32.6 39.8 72.5 24.0 53.7 77.7 88.5% 86.8% 87.7% 93.4% 82.7% 87.8% 59.8% 58.7% 59.2% 64.7% 53.5% 58.9% 28.7% 28.1% 28.4% 28.7% 29.2% 29.0%
Italy 936.2 950.3 1886.4 982.3 1081.1 2063.5 865.8 935.4 1801.2 935.5 1047.8 1983.3 106.8 85.2 191.9 122.3 94.0 216.2 90.3% 93.2% 91.8% 89.5% 93.9% 91.8% 61.2% 64.9% 63.1% 59.4% 64.1% 61.9% 29.1% 28.3% 28.7% 30.1% 29.8% 29.9%
Spain 808.4 722.2 1530.7 896.6 874.3 1770.9 712.8 746.6 1459.4 783.7 892.9 1676.6 37.0 34.8 71.8 59.7 62.9 122.6 96.1% 96.2% 96.2% 93.4% 94.5% 94.0% 62.7% 61.7% 62.2% 59.7% 61.0% 60.4% 33.4% 34.5% 34.0% 33.8% 33.5% 33.6%
Switzerland 2920.4 1337.1 4257.5 3108.7 1611.2 4720.0 1948.5 2114.6 4063.1 2132.5 2361.5 4494.1 168.2 160.8 329.0 185.1 198.7 383.8 95.4% 96.3% 95.9% 93.1% 94.9% 94.0% 73.9% 75.6% 74.8% 72.5% 73.9% 73.2% 21.5% 20.7% 21.1% 20.5% 21.0% 20.8%
United Kingdom 2546.3 2411.7 4958.0 2682.7 2465.2 5147.8 2293.8 2483.4 4777.2 2430.6 2510.9 4941.5 293.7 231.1 524.8 363.6 294.7 658.3 89.4% 93.8% 91.7% 87.5% 91.6% 89.6% 63.5% 67.3% 65.5% 60.3% 63.4% 61.9% 25.9% 26.5% 26.2% 27.2% 28.2% 27.7%
Rest of Europe, Middle East & Africa 1709.7 1400.9 3110.6 1904.8 1674.6 3579.5 1392.6 1445.5 2838.1 1559.1 1754.8 3313.9 142.0 127.2 269.2 80.0 128.9 209.0 95.8% 93.2% 94.5% 99.8% 95.7% 97.7% 69.3% 69.8% 69.6% 75.6% 69.3% 72.2% 26.5% 23.3% 24.9% 24.2% 26.5% 25.4%
Europe, Middle East & Africa 11134.3 8481.1 19615.3 12008.9 9697.7 21706.6 8989.3 9661.8 18651.1 9801.1 10851.2 20652.3 780.8 706.7 1487.5 1038.9 1003.5 2042.4 94.9% 96.0% 95.5% 92.3% 94.0% 93.2% 68.0% 69.7% 68.9% 65.9% 66.6% 66.3% 26.9% 26.3% 26.6% 26.5% 27.4% 26.9%
United States 11120.0 9367.4 20487.4 11332.0 9616.1 20948.2 9404.6 10424.1 19828.7 9562.2 10572.2 20134.4 1067.1 1051.4 2118.4 1066.5 1281.5 2348.1 92.7% 93.3% 93.0% 92.2% 91.9% 92.0% 68.0% 69.1% 68.6% 66.6% 66.8% 66.7% 24.6% 24.2% 24.4% 25.6% 25.1% 25.3%
Rest of North America 483.8 612.7 1096.5 1114.3 1047.9 2162.2 565.6 590.8 1156.4 957.9 1026.6 1984.5 169.2 25.7 194.9 137.8 167.8 305.6 76.3% 101.6% 89.2% 86.7% 88.0% 87.4% 46.8% 74.8% 61.1% 36.2% 48.1% 42.4% 29.6% 26.8% 28.2% 50.5% 39.9% 45.0%
North America 11603.7 9980.1 21583.9 12446.3 10664.0 23110.3 9970.2 11014.9 20985.1 10520.1 11598.8 22118.9 1236.3 1077.1 2313.3 1204.3 1449.4 2653.7 91.7% 93.7% 92.8% 91.7% 91.5% 91.6% 66.8% 69.4% 68.2% 63.8% 65.1% 64.5% 24.9% 24.4% 24.6% 27.8% 26.4% 27.1%
Australia 672.8 719.2 1392.0 621.5 697.2 1318.7 660.1 701.7 1361.8 639.0 664.4 1303.3 59.0 44.4 103.4 81.5 62.4 143.8 93.8% 96.5% 95.2% 90.0% 94.1% 92.1% 58.1% 61.0% 59.6% 55.6% 61.5% 58.6% 35.8% 35.5% 35.6% 34.3% 32.6% 33.5%
Japan 409.9 412.2 822.1 445.3 432.5 877.8 384.3 440.2 824.5 439.0 447.0 886.0 23.9 68.8 92.8 54.7 47.9 102.6 93.9% 84.5% 88.9% 87.6% 89.7% 88.6% 57.0% 50.0% 53.3% 53.4% 54.0% 53.7% 36.8% 34.5% 35.6% 34.2% 35.6% 34.9%
Rest of Asia Pacific 764.6 983.9 1748.5 1043.5 1038.8 2082.3 701.9 904.9 1606.7 926.4 991.4 1917.8 62.3 84.4 146.8 43.8 56.0 99.9 93.5% 92.7% 93.1% 99.0% 98.0% 98.5% 63.2% 63.1% 63.2% 67.0% 66.8% 66.9% 30.3% 29.6% 29.9% 32.0% 31.2% 31.6%
Asia Pacific 1847.3 2115.3 3962.6 2110.2 2168.5 4278.8 1746.3 2046.8 3793.0 2004.4 2102.8 4107.2 145.3 197.6 343.0 180.0 166.3 346.3 93.7% 92.2% 92.9% 93.6% 95.0% 94.3% 59.9% 59.6% 59.7% 60.4% 62.4% 61.4% 33.8% 32.7% 33.2% 33.2% 32.6% 32.9%
Argentina 278.4 303.9 582.3 287.3 265.2 552.5 224.5 264.2 488.7 268.4 239.6 508.0 26.1 6.5 32.5 22.3 12.6 34.8 118.3% 106.4% 111.8% 99.3% 99.2% 99.2% 76.1% 67.8% 71.6% 62.6% 59.4% 61.1% 42.1% 38.5% 40.2% 36.7% 39.8% 38.1%
Brazil 482.5 520.4 1003.0 495.6 567.5 1063.0 450.1 446.1 896.1 448.5 506.6 955.1 35.1 34.4 69.5 32.2 37.5 69.6 97.7% 98.4% 98.0% 97.1% 99.1% 98.2% 41.6% 43.7% 42.6% 43.8% 45.4% 44.7% 56.1% 54.7% 55.4% 53.3% 53.7% 53.5%
Rest of Latin America 1003.4 917.8 1921.2 865.9 1019.6 1885.6 898.7 878.4 1777.1 849.6 932.7 1782.3 60.3 60.3 120.6 69.3 45.1 114.4 89.2% 89.0% 89.1% 88.0% 90.8% 89.5% 52.2% 50.0% 51.1% 48.1% 50.2% 49.2% 37.0% 39.1% 38.0% 39.9% 40.6% 40.3%
Latin America 1764.3 1742.1 3506.4 1648.8 1852.3 3501.1 1573.3 1588.7 3161.9 1566.5 1679.0 3245.5 121.5 101.1 222.7 123.8 95.1 218.9 95.8% 94.5% 95.1% 92.5% 94.5% 93.6% 52.6% 51.2% 51.9% 49.4% 50.1% 49.7% 43.2% 43.4% 43.3% 43.2% 44.4% 43.8%
Group Reinsurance 546.7 343.3 890.0 564.3 352.0 916.3 398.3 400.2 798.5 413.6 416.9 830.5 (59.6) (102.4) (162.0) (117.9) (14.7) (132.7) nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm
Eliminations (1554.0) (1380.0) (2934.0) (1634.8) (1456.7) (3091.5) (1231.6) (1366.5) (2598.1) (1291.6) (1429.1) (2720.7) (0.0) 0.0 (0.0) 0.0 0.0 0.0 nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm
Total 25342.3 21281.9 46624.2 27143.7 23277.8 50421.5 21445.8 23345.8 44791.6 23014.1 25219.5 48233.6 2224.2 1980.2 4204.5 2429.0 2699.6 5128.6 93.6% 94.9% 94.2% 92.4% 92.9% 92.6% 64.6% 66.5% 65.6% 62.4% 63.0% 62.7% 28.9% 28.4% 28.6% 30.0% 29.8% 29.9%

Property & Casualty – Overview by customer unit

in USD millions

Gross written premium Insurance revenue Business operating profit Combined ratio Loss ratio Expense ratio
2024 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 2025
H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25 H1 H2 FY-24 H1 H2 FY-25
Commercial insurance 16408.4 13438.1 29846.5 16885.9 14093.3 30979.2 13751.8 14982.8 28734.6 14121.4 15477.4 29598.8 1781.4 1605.2 3386.5 1824.1 1965.9 3790.0 91.4% 93.1% 92.3% 90.5% 91.5% 91.0% 66.3% 68.5% 67.4% 64.6% 66.0% 65.4% 25.0% 24.7% 24.8% 25.8% 25.5% 25.7%
Retail and SME 8865.2 7872.5 16737.7 10174.7 9220.8 19395.5 7660.6 8323.8 15984.5 8844.8 9708.1 18552.9 502.5 477.4 979.9 722.8 748.5 1471.3 96.4% 96.5% 96.5% 94.1% 94.6% 94.4% 60.9% 61.8% 61.3% 57.7% 58.4% 58.1% 35.6% 34.7% 35.1% 36.3% 36.3% 36.3%
Group Reinsurance 546.7 343.3 890.0 564.3 352.0 916.3 398.3 400.2 798.5 413.6 416.9 830.5 (59.6) (102.4) (162.0) (117.9) (14.7) (132.7) nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm
Eliminations (477.9) (372.1) (850.0) (481.3) (388.2) (869.5) (365.0) (361.0) (726.1) (365.8) (382.9) (748.7) - - - - - - nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm nm
Total 25342.3 21281.9 46624.2 27143.7 23277.8 50421.5 21445.7 23345.8 44791.5 23014.1 25219.5 48233.6 2224.2 1980.2 4204.5 2429.0 2699.6 5128.6 93.6% 94.9% 94.2% 92.4% 92.9% 92.6% 64.6% 66.5% 65.6% 62.4% 63.0% 62.7% 28.9% 28.4% 28.6% 30.0% 29.8% 29.9%
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