MedienmitteilungZürich6. August 2015
Zurich erzielt in der ersten Jahreshälfte 2015 einen Betriebsgewinn von USD 2,2 Milliarden
- Betriebsgewinn (BOP) von USD 2,2 Mrd., Rückgang um 15% im Vorjahresvergleich
- Den Aktionären zurechenbarer Reingewinn nach Steuern (NIAS) von USD 2,1 Mrd., Rückgang um 3% im Vorjahresvergleich
- Eigenkapitalrendite basierend auf dem Betriebsgewinn nach Steuern (BOPAT ROE) von 11,6%, gegenüber 12,5% in der ersten Jahreshälfte 2014
- Schadenversicherungsgeschäft (General Insurance) mit Schaden-Kosten-Satz (Combined Ratio) von 98,3%; Massnahmen ergriffen, um Ziele 2016 zu erreichen
- Lebensversicherungsgeschäft (Global Life) mit gutem wechselkursbereinigtem Wachstum bei Jahresprämienäquivalent (APE) und BOP
- Farmers mit weiteren Fortschritten bei der Strategieumsetzung
- Mittelzuflüsse für 2015 von über USD 3,5 Mrd. und für den Zeitraum 2014 bis 2016 von über USD 10 Mrd. erwartet, deutlich über dem Zielbereich von USD 9 Mrd.
- Konzernleitungsmitglieder mit zusätzlichen Verantwortlichkeiten
Ausgewählte Kennzahlen für das erste Halbjahr (6M) und das zweite Quartal (Q2) 2015
(Umfassendere Kennzahlen für die per 30. Juni abgeschlossenen Halbjahre finden Sie auf Seite 7 der Medienmitteilung)
| In Millionen USD für das per 30. Juni abgeschlossene Halbjahr, sofern nicht anders ausgewiesen | 6M 2015 | 6M 2014 | Verän- derung in USD1 | Q2 2015 | Q2 2014 | Veränderung in USD1 |
| Betriebsgewinn (BOP) | 2’238 | 2’621 | (15%) | 943 | 1‘240 | (24%) |
| Den Aktionären zurechenbarer Reingewinn nach Steuern (NIAS) | 2’059 | 2’123 | (3%) | 840 | 848 | (1%) |
| Gesamtumsatz der Gruppe2 | 36’008 | 37’567 | (4%) | 17’282 | 18’261 | (5%) |
| Rendite aus Kapitalanlagen der Gruppe (in % des durchschnittlichen Kapitalanlagebestands), netto | 2,0% | 2,1% | (0,1 PP) | 0,9% | 1,0% | (0,0 PP) |
| Gesamtrendite aus Kapitalanlagen der Gruppe (in % des durchschnittlichen Kapitalanlagebestands) | 0,1% | 4,8% | (4,7 PP) | (2,5%) | 2,2% | na |
| Den Aktionären zurechenbares Eigenkapital3 | 31’883 | 34’735 | (8%) | |||
| Verwässerter Gewinn je Aktie (in CHF) | 12.99 | 12.74 | 2% | |||
| Buchwert je Aktie (in CHF)3 | 200.23 | 232.65 | (14%) | |||
| Den Aktionären zurechenbare Eigenkapitalrendite ohne Vorzugspapiere (ROE)4 | 14,2% | 13,9% | 0,2 PP | 12,0% | 11,5% | 0,6 PP |
| Den Aktionären zurechenbare Eigenkapitalrendite ohne Vorzugspapiere, basierend auf dem Business Operating Profit nach Steuern (BOPAT ROE)4 | 11,6% | 12,5% | (0,9 PP) | 10,2% | 11,4% | (1,2 PP) |
Zürich, 6. August 2015 – Zurich Insurance Group (Zurich) hat für das per 30. Juni 2015 abgeschlossene Halbjahr einen Betriebsgewinn (BOP) von USD 2,2 Milliarden und einen den Aktionären zurechenbaren Reingewinn (NIAS) von USD 2,1 Milliarden erwirtschaftet.
Chief Executive Officer Martin Senn sagte:
«Der positive Trend bei Global Life sowie Farmers setzte sich fort und beide Geschäftsbereiche erzielten gute Ergebnisse. Erhebliche Grossschäden, insbesondere in Grossbritannien und im US-Geschäft von Global Corporate, sowie ein höherer Kostensatz wirkten sich aber negativ auf die Profitabilität unseres Geschäftsbereichs General Insurance aus. Die Eigenkapitalrendite auf dem Betriebsgewinn nach Steuern belief sich für das erste Halbjahr 2015 auf 11,6%.»
«Bezüglich der Kosten haben wir bereits Massnahmen angekündigt und weitere ergriffen, von denen wir erwarten, dass sie sich ab Anfang nächsten Jahres positiv auf das Ergebnis auswirken werden. Darüber hinaus haben wir eine Reihe von Massnahmen zur Verbesserung der Rentabilität in Teilen des Geschäftsbereichs General Insurance eingeleitet.»
«Was unsere anderen beiden strategischen Finanzziele anbelangt, sind wir weiterhin sehr gut unterwegs: Erstens belief sich die Quote des Zurich Economic Capital Model (Z-ECM) zum Ende des ersten Quartals auf 120 Prozent und befand sich damit am oberen Ende unseres Zielbereichs. Zweitens erwarten wir, dass die Mittelzuflüsse für das Gesamtjahr bei über USD 3,5 Mrd. liegen werden. Für den Zeitraum 2014-2016 dürfte der Betrag bei über USD 10 Mrd. liegen, deutlich über unserem Ziel von USD 9 Mrd.»
«Weiter haben wir den Markt darüber informiert, dass wir ein Angebot für den Kauf von RSA Insurance Group plc prüfen. Wir sind überzeugt, dass eine Transaktion für uns und unsere Investoren erhebliche Vorteile mit sich bringen könnte, da sich das Geschäft von RSA und unseres strategisch ideal ergänzt und auch aus finanzieller Sicht attraktiv wäre. Allerdings muss jeder Kapitaleinsatz die gleichen Kriterien erfüllen, die wir auch bei jeder anderen Investition anwenden.»
Zusätzliche Verantwortlichkeiten in der Konzernleitung
Innerhalb der Konzernleitung werden per 1. Oktober 2015 folgende Verantwortlichkeiten neu zugeordnet – dies unter dem Vorbehalt der Genehmigung des Verwaltungsrates und der Aufsichtsbehörde.
- George Quinn, Chief Financial Officer, wird neu Regional Chairman für Europa, den Nahen Osten und Afrika und Chairman von Zurich Insurance plc (Ireland).
- Isabelle Welton, Chief Human Resources Officer, übernimmt die Position des Regional Chairman für Lateinamerika.
- Jeff Dailey, CEO von Farmers Group, Inc., wird auch Vorsitzender des Verwaltungsrats von Farmers Group, Inc.
- Robert Dickie, Chief Operations and Technology Officer, wird Mitglied des Verwaltungsrats von Farmers Group, Inc.
Downloads
Contacts
- Media Relations
- Investor Relations
Zurich Insurance Group (Zurich) is a leading multi-line insurer that serves its customers in global and local markets. With more than 55,000 employees, it provides a wide range of general insurance and life insurance products and services. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, including multinational corporations, in more than 170 countries. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.
Disclaimer and cautionary statement
Certain statements in this document are forward-looking statements, including, but not limited to, statements that are predications of or indicate future events, trends, plans or objectives of Zurich Insurance Group Ltd or the Zurich Insurance Group (the Group). Forward-looking statements include statements regarding the Group’s targeted profit, return on equity targets, expenses, pricing conditions, dividend policy and underwriting and claims results, as well as statements regarding the Group’s understanding of general economic, financial and insurance market conditions and expected developments. Undue reliance should not be placed on such statements because, by their nature, they are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results and plans and objectives of Zurich Insurance Group Ltd or the Group to differ materially from those expressed or implied in the forward-looking statements (or from past results). Factors such as (i) general economic conditions and competitive factors, particularly in key markets; (ii) the risk of a global economic downturn, in the financial services industries in particular; (iii) performance of financial markets; (iv) levels of interest rates and currency exchange rates; (v) frequency, severity and development of insured claims events; (vi) mortality and morbidity experience; (vii) policy renewal and lapse rates; and (viii) changes in laws and regulations and in the policies of regulators may have a direct bearing on the results of operations of Zurich Insurance Group Ltd and its Group and on whether the targets will be achieved. Zurich Insurance Group Ltd undertakes no obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or circumstances or otherwise.
All references to “Farmers Exchanges” mean Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange and their subsidiaries and affiliates. The three Exchanges are California domiciled inter-insurance exchanges owned by their policyholders with governance oversight by their Boards of Governors. Farmers Group, Inc. and its subsidiaries are appointed as the attorneys-in-fact for the Farmers Exchanges and in that capacity provide certain non-claims administrative and management services to the Farmers Exchanges. Neither Farmers Group, Inc., nor its parent companies, Zurich Insurance Company Ltd and Zurich Insurance Group Ltd, have any ownership interest in the Farmers Exchanges. Financial information about the Farmers Exchanges is proprietary to the Farmers Exchanges, but is provided to support an understanding of the performance of Farmers Group, Inc. and Farmers Reinsurance Company.
It should be noted that past performance is not a guide to future performance. Please also note that interim results are not necessarily indicative of full year results. Persons requiring advice should consult an independent adviser.
This communication does not constitute an offer or an invitation for the sale or purchase of securities in any jurisdiction.
THIS COMMUNICATION DOES NOT CONTAIN AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES; SECURITIES MAY NOT BE OFFERED OR SOLD IN THE UNITED STATES ABSENT REGISTRATION OR EXEMPTION FROM REGISTRATION, AND ANY PUBLIC OFFERING OF SECURITIES TO BE MADE IN THE UNITED STATES WILL BE MADE BY MEANS OF A PROSPECTUS THAT MAY BE OBTAINED FROM THE ISSUER AND THAT WILL CONTAIN DETAILED INFORMATION ABOUT THE COMPANY AND MANAGEMENT, AS WELL AS FINANCIAL STATEMENTS.
Disclaimer and cautionary statement
Certain statements in this document are forward-looking statements, including, but not limited to, statements that are predications of or indicate future events, trends, plans or objectives of Zurich Insurance Group Ltd or the Zurich Insurance Group (the Group). Forward-looking statements include statements regarding the Group’s targeted profit, return on equity targets, expenses, pricing conditions, dividend policy and underwriting and claims results, as well as statements regarding the Group’s understanding of general economic, financial and insurance market conditions and expected developments. Undue reliance should not be placed on such statements because, by their nature, they are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results and plans and objectives of Zurich Insurance Group Ltd or the Group to differ materially from those expressed or implied in the forward-looking statements (or from past results). Factors such as (i) general economic conditions and competitive factors, particularly in key markets; (ii) the risk of a global economic downturn, in the financial services industries in particular; (iii) performance of financial markets; (iv) levels of interest rates and currency exchange rates; (v) frequency, severity and development of insured claims events; (vi) mortality and morbidity experience; (vii) policy renewal and lapse rates; and (viii) changes in laws and regulations and in the policies of regulators may have a direct bearing on the results of operations of Zurich Insurance Group Ltd and its Group and on whether the targets will be achieved. Zurich Insurance Group Ltd undertakes no obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or circumstances or otherwise.
All references to “Farmers Exchanges” mean Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange and their subsidiaries and affiliates. The three Exchanges are California domiciled inter-insurance exchanges owned by their policyholders with governance oversight by their Boards of Governors. Farmers Group, Inc. and its subsidiaries are appointed as the attorneys-in-fact for the Farmers Exchanges and in that capacity provide certain non-claims administrative and management services to the Farmers Exchanges. Neither Farmers Group, Inc., nor its parent companies, Zurich Insurance Company Ltd and Zurich Insurance Group Ltd, have any ownership interest in the Farmers Exchanges. Financial information about the Farmers Exchanges is proprietary to the Farmers Exchanges, but is provided to support an understanding of the performance of Farmers Group, Inc. and Farmers Reinsurance Company.
It should be noted that past performance is not a guide to future performance. Please also note that interim results are not necessarily indicative of full year results. Persons requiring advice should consult an independent adviser.
This communication does not constitute an offer or an invitation for the sale or purchase of securities in any jurisdiction.
THIS COMMUNICATION DOES NOT CONTAIN AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES; SECURITIES MAY NOT BE OFFERED OR SOLD IN THE UNITED STATES ABSENT REGISTRATION OR EXEMPTION FROM REGISTRATION, AND ANY PUBLIC OFFERING OF SECURITIES TO BE MADE IN THE UNITED STATES WILL BE MADE BY MEANS OF A PROSPECTUS THAT MAY BE OBTAINED FROM THE ISSUER AND THAT WILL CONTAIN DETAILED INFORMATION ABOUT THE COMPANY AND MANAGEMENT, AS WELL AS FINANCIAL STATEMENTS.