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= Zurich Insurance Group – FY2024–FY2025 Financial Supplement FY2024–FY2025 (Half-Year and Full-Year Results) =
<!-- RAG-context: Zurich Insurance Group, financial supplement, half-year H1 H2 and full-year FY results, 2024 2025, business operating profit BOP, insurance revenue, net investment result, P&C property and casualty, life insurance, Farmers, group reinsurance, combined ratio, loss ratio, expense ratio, USD millions -->
 
== Zurich Insurance Group – Business Operating Profit (BOP) by Business Segment (FY2024–FY2025) ==
===<!-- BusinessRAG-context: OperatingZurich ProfitBOP by Segment:business segment, Property & Casualty P&C, Life, Farmers, Group Functions and Operations, Non-Core Businesses, Eliminations, insurance service result, net investment income, fee result, (H1/ 2024, H2/ 2024, FY-24, 2024H1 vs2025, H2 2025, FY-25, USD millions) ===-->▼
 
=== BOP by Segment – Detailed Breakdown ===
▲=== Business Operating Profit by Segment: Property & Casualty, Life, Farmers, Group Functions, Non-Core Businesses, Eliminations (H1/H2/FY, 2024 vs 2025, USD millions) ===
''AllUSD valuesmillions in| USDH1/H2/FY millionsfor unless2024 otherwiseand stated.2025 | Source: Zurich Insurance Group financial supplement. Periods shown: H1 2024, H2 2024, FY-24, H1 2025, H2 2025, FY-25.''
 
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== Zurich Insurance Group – Property & Casualty (P&C) Insurance by Country and Customer Unit (FY2024–FY2025) ==
<!-- RAG-context: Zurich P&C property and casualty insurance, by country and region, by customer unit, gross written premium GWP, insurance revenue, business operating profit BOP, combined ratio, loss ratio, expense ratio, Germany, Ireland, Italy, Spain, Switzerland, United Kingdom, EMEA, United States, North America, Australia, Japan, Asia Pacific, Argentina, Brazil, Latin America, group reinsurance, commercial insurance, retail SME, H1 H2 FY 2024 2025, USD millions -->
 
=== P&C by Country and Region ===
=== P&C Performance by Country and Region: Gross Written Premium, Insurance Revenue, BOP, Combined Ratio, Loss Ratio, Expense Ratio (H1/H2/FY, 2024 vs 2025, USD millions) ===
''All monetary values in USD millions. Ratios shown(ratios as percentages.%) Regions| includeH1/H2/FY EMEA,for North America, Asia Pacific, Latin America,2024 and Group2025 Reinsurance.| Source: Zurich Insurance Group financial supplement.''
 
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=== P&C Performance by Customer Unit: Commercial Insurance, Retail & SME, Group Reinsurance (H1/H2/FY, 2024 vs 2025, USD millions) ===
<!-- RAG-context: Zurich P&C by customer unit, commercial insurance, retail and SME, group reinsurance, gross written premium, insurance revenue, BOP, combined ratio, loss ratio, expense ratio, H1 H2 FY 2024 2025, USD millions -->
''All monetary values in USD millions. Ratios shown as percentages. Customer units: Commercial Insurance, Retail and SME, Group Reinsurance. Source: Zurich Insurance Group financial supplement.''
''USD millions (ratios as %) | H1/H2/FY for 2024 and 2025 | Source: Zurich Insurance Group''
 
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