USD 4.6bn

Business operating profit1

USD 3.7bn

Net income attributable to shareholders

USD 3.8bn

Total amount of impact investments7


Business operating profit after tax return on equity2

USD 3.8bn

Cash remittances4


CO2e emissions per employee (tons per FTE)8

USD 51.6bn

Total revenues3

USD 195bn

Investment portfolio5


Female participation in Leadership Team

CHF 44.4bn

Market valuation as of December 31, 2018

Z-ECM 125%

Zurich Economic Capital Model (Z-ECM) ratio estimated as of December 31, 20186

> 760,000

Number of customers interviewed through Zurich’s NPS program9


Standard & Poor’s financial strength rating of Zurich Insurance Company Ltd as of December 31, 2018

1 Business operating profit (BOP) indicates the underlying performance of the Group’s business units by eliminating the impact of financial market volatility and other non-operational variables.
2 Shareholders’ equity used to determine ROE and BOPAT ROE is adjusted for net unrealized gains or losses on available-for-sale investments and cash flow hedges.
3 Total revenues excluding net investment result on unit-linked investments.
4 Cash remittances for full year 2018.
5 Market value of the investment portfolio (economic view).
6 The Z-ECM is an internal measure of capital adequacy and reflects midpoint estimates with an error margin of +/– 5 pts.
7 Impact investments in 2018 consisted of: green bonds (USD 2.68 billion), social and sustainability bonds (USD 425 million), and investments committed to private equity funds (USD 145 million, thereof 45 percent drawn down) and impact infrastructure private debt (USD 540 million).
8 Number shown as of 2017; 2018 data will be available in Q2 2019.
9 In 2018, Zurich interviewed over 760,000 customers (including Zurich Santander) in over 20 countries through its NPS (Net Promoter Score) program.

Our business segments

Property & Casualty

Property and casualty insurance and services, risk insights.

USD 2.1bn

Business operating profit

USD 33.5bn

Gross written premiums and policy fees


Protection, savings and investment solutions.

USD 1.6bn

Business operating profit

USD 33.4bn

Gross written premiums, policy fees and insurance deposits


Management services related to property and casualty insurance.

USD 1.6bn

Business operating profit

USD 3.2bn

Management fees and other related revenues

Timeline of 2018 events

January 2018

Zurich launches Make the Difference, inviting all employees to propose ways to improve how we work.

February 2018

Zurich to acquire Latin American operations of QBE to become leading insurer in Argentina.

February 2018

Zurich reports strong performance for 2017.

March 2018

Zurich accelerates growth of its Cover-More business with an acquisition in Latin America.

April 2018

Zurich names Amanda Blanc new CEO of Europe, Middle East & Africa business, effective October 1, 2018.

April 2018

Shareholders elect Michel M. Liès as new Chairman and approve dividend of CHF 18 per share.

April 2018

Zurich to acquire EuroAmerica’s life businesses in Chile.

July 2018

Zurich extends its award-winning Flood Resilience Alliance program for another five years.

August 2018

Zurich launches a global competition for startups, seeking best-in-class customer solutions.

September 2018

Zurich to acquire 80 percent of Adira Insurance in Indonesia.

November 2018

Zurich strengthens its efforts on cyber security by becoming a partner of the World Economic Forum’s Global Centre for Cybersecurity.