苏黎世保险集团（Zurich Insurance Group）2025年年度报告（英文版）（430页）.pdf

1、Zurich Insurance Group Annual Report 2025 What do you see?Look carefully at the drone hovering over the front cover of our 2025 Annual Report.Is it a toy?A device of leisure and curiosity.Is it a threat?An instrument of risk and conflict.Is it a tool?A valuable asset for insight and resilience.A sin

2、gle technology can carry many futures.Technology is rarely good or bad.Its how we use it that defines its impact.At Zurich,we use drones as tools of resilience.Combined with AI and high-resolution imagery,they give our risk engineers a clearer view from above,turning uncertainty into insight,and ins

3、ight into action.No matter how unpredictable the world becomes,our commitment is to help you see what matters the most,with confidence.The future is uncertain.Were not.Case studiesDiscover how we are turning the futures unpredictability into our greatest strength.Jump to this years feature stories:P

4、age 19242Zurich Insurance Group Annual Report 2025GovernanceSustainability reportGroup overviewRisk reviewFinancial reviewInside this reportRisk reviewMessage from our Group Chief Risk Officer226Risk review228Financial reviewMessage from our Group Chief Financial Officer258Financial overview260Messa

5、ge from our Group Chief Investment Officer270Consolidated financial statements272Holding company408Shareholder information422Acronyms and abbreviations424Glossary426Contact information428Group overviewMessage from our Chairman and Group CEO4Our performance6Our strategy7Our global business12Our busin

6、ess mix13Our business model15The future is uncertain.Were not.Discover how we are turning the futures unpredictability into our greatest strength.19Our stakeholders25Z Zurich Foundation34How we are delivering value to our stakeholders25GovernanceMessage from our Chairman on corporate governance38Cor