Financial highlights
In a challenging business environment, our Group earned a strong 2015 net income of USD 4.6 billion.
Financial highlights
For the years ended 31 December
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USD millions, unless otherwise stated |
2014 |
2015 |
Change in % |
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Group |
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Net income attributable to common shareholders |
3 500 |
4 597 |
31 |
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Premiums earned and fee income |
31 262 |
30 214 |
–3 |
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Earnings per share in CHF |
9.33 |
12.93 |
39 |
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Common shareholders’ equity |
34 828 |
32 415 |
–7 |
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Return on equity1 in % |
10.5 |
13.7 |
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Return on investments in % |
3.7 |
3.5 |
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Number of employees2 |
12 224 |
12 767 |
4 |
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Property & Casualty Reinsurance |
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Net income attributable to common shareholders |
3 564 |
2 977 |
–16 |
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Premiums earned |
15 598 |
15 090 |
–3 |
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Combined ratio in % |
83.7 |
86.0 |
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Return on equity1 in % |
26.7 |
22.2 |
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Life & Health Reinsurance |
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Net income attributable to common shareholders |
–462 |
939 |
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Premiums earned and fee income |
11 265 |
10 963 |
–3 |
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Operating margin in % |
2.6 |
9.9 |
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Return on equity1 in % |
–7.9 |
15.7 |
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Corporate Solutions |
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Net income attributable to common shareholders |
319 |
340 |
7 |
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Premiums earned |
3 444 |
3 379 |
–2 |
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Combined ratio in % |
93.0 |
93.8 |
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Return on equity1 in % |
12.5 |
14.8 |
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Admin Re® |
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Net income attributable to common shareholders |
34 |
422 |
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Premiums earned and fee income |
955 |
782 |
–18 |
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Gross cash generation3 |
945 |
543 |
–43 |
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Return on equity1 in % |
0.6 |
7.5 |
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In this report
We present our business performance and economic position over 2015. The Annual Report serves as the Management Report in compliance with current Swiss accounting and financial reporting law.