1. Ingeniería

 TM
Zurich Insurance Group, Ltd.
Profile
Corporate Information
Ticker ZURN | Primary Stock Exchange Swiss Exchange
Address:
Mythenquai 2
Zurich
Phone: 41 44 625 25 25
Fax: 41 44 625 35 55
Web Site:
http://www.zurich.com
Auditors:
PricewaterhouseCoopers
I.R. Contact:
D Broek
Employees: 56,565
Shareholders: 127,922
Founded: 1872
Domicile: Switzerland
Officers:
Tom De Swaan Chairman
Manfred Kindle Vice Chairman
Martin Senn Chief Executive Officer
George Quinn Chief Financial Officer
Robert Dickie Chief Operating Officer & Chief
Technology Officer
Yannick Hausmann General Counsel
Carlos Luengo Exec VP
Rocco J. Maggiotto Exec VP
David Levinson SR VP
Adrian Peyer Secretary
Vibhu R. Sharma Controller
D Broek Investor Relations Contact
Directors:
Susan Schmidt Bies
Alison J. Carnwath
Tom De Swaan
Thomas Konrad Escher
Christoph Franz
Manfred Kindle
Monica Machler
Donald T. Nicolaisen
Rafael Del Pino
Subsidiaries:
B G Investments Ltd.
Bansabadell Pensiones, E.G.F.P, S.A.
Bansabadell Seguros Generales, S.A. de Seguros y
Reaseguros
Bansabadell Vida S.A. de Seguros y Reaseguros
CaixaSabadell Vida, S.A. Companyia d'Assegurances
i Reassegurances
CAN Soluciones Integrales SAU
Centre Group Holdings Limited
Chilena Consolidada Seguros de Vida S.A.
CMSH Limited
DA Deutsche Allgemeine Versicherung
Aktiengesellschaft
Dalegate Ltd.
Deutscher Herold Aktiengesellschaft
Eagle Star Holdings Limited
Eagle Star Insurance Company Limited
Eagle Star Life Assurance Company of Ireland
Limited
Farmers Group, Inc.
Farmers New World Life Insurance Company
Farmers Reinsurance Company
Genevoise Real Estate Company Ltd.
Kemper Corporation
(Continued on next page of this report)
Overview: This company offers a range of general and life insurance products and services for individuals and
small, mid-sized and large businesses and corporations.
Incorporated: INCORPORATED in Switzerland Apr. 26, 2000. The company was founded in 1872 as Versicherungs
Verein; name changed to Transport- und Unfallversicherungs-Actien-Gesellschaft (Zurich Marine and Accident
Insurance Ltd.) in 1875; to Zuerich Allgemeine Unfall- und Haftpflicht-Versicherungs-Aktiengesellschaft (Zurich
General Accident and Liability Insurance Ltd.) in 1894; to Zuerich Versicherungs-Gesellschaft (Zurich Insurance
Company) in 1955; to Zurich Financial Services in connection with the company's merger with the Financial
Services Business of U.K.-based B.A.T Industries p.l.c. in 1998; to Zurich Financial Services Limited in 2009; and to
Zurich Insurance Group, Ltd. Apr. 9, 2012.
Background: Zurich Insurance Group Ltd, together with its subsidiaries, provides insurance-based products
primarily in Europe, North America, the Asia Pacific, and Latin America. The company offers car, home, general
liability, life insurance and critical illness, savings and investments, pensions and retirement planning, and other
products. It also provides property, casualty, workers' compensation, corporate life and pensions, financial lines,
accident and health, and specialty insurance products. In addition, the company offers construction, global
energy, marine, and motor fleet insurance products, as well as risk engineering, and captive and claims services.
Further, it distributes non-insurance products, such as mutual funds, mortgages, and other financial services
products; and provides non-claims related management services to the Farmers Exchanges. The company offers
its products and services to individuals, small and mid-sized businesses, and large and mult(Continued on the
next page of this report)
Stock Data (Capitalization as of: December 31, 2013)
Stock: Common SFr. 0.10 par | Authorized Shares N.R. | Outstanding Shares 1147,582,570
Footnote: 1. Excl. 1,320,652 in treas.
Long Term Debt DEBT: $12,386,000,000.
Stockholders (as of December 31, 2013): 127,922
Principal Stockholder:
Transfer Agent: Company itself, ,
Additional Notes:
Dividends
Common Stock
1.80
1.82
1.83
1.23
0.79
1.22
0.74
0.47
0.29
0.18
0.06
0.42
0.81
0.88
Exchange
Swiss Exchange
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
Footnote:
1 Prices reported in Swiss Francs.
Year
2014
1
2013
2012
2011
2010
2009
2008
High
0.0000
270.3000
245.7000
239.1810
227.0040
260.0000
336.5000
Low
0.0000
228.8000
194.2000
134.7460
186.5640
127.8000
175.8000
This information should not be used for determining a company’s manual exemption status. Only the listing from Corporation Records should be used for that purpose. This report is for informational purposes and should not be
considered a solicitation to buy or sell any security nor is this report considered investment advice. Neither S&P Capital IQ nor any other party guarantees its accuracy or makes warranties regarding results from its usage. S&P
Capital IQ receives compensation from the issuer or an agent thereof for initiating coverage, and for distribution including licensed redistribution of this report, and/or for inclusion in other S&P Capital IQ publications, generally in
amounts up to U.S. $3,995. per year. Redistribution is prohibited without written permission.
Page 1
TM
| February 05, 2015
Zurich Insurance Group, Ltd. | Ticker ZURN | Primary Exchange Swiss Exchange
Profile
Background: (Continued from Page 1) inational corporations through branch and representative offices. Zurich Insurance Group Ltd is headquartered in Zurich, Switzerland.
Subsidiaries
(Continued from the previous page)
Kemper Investors Life Insurance Company
ZCM Holdings (Bermuda) Limited
ZFS Finance (USA) LLC V
ZFUS Services, LLC
ZG Investments II Ltd.
ZG Investments III Ltd.
ZG Investments IV Ltd.
ZG Investments Ltd.
Zurich Financial Services Ltd. has several subsid
iaries with Zurich in their titles.
This listing from S&P Capital IQ Market Access Program including Corporate Records should not be used for determining a company's manual exemption
status. Only the listing from Corporation Records should be used for that purpose. Redistribution is prohibited without written permission.
Page 2
TM
| February 05, 2015
Zurich Insurance Group, Ltd. | Ticker ZURN | Primary Exchange Swiss Exchange
Annual Report
IncomeStatement as of Dec. 31 (Mil. US DOLLAR)
Net earned premiums and policy fees
Farmers management fees and other related
revenues
Net investment result on Group investments
Net gain/(loss) on divestments of businesses
Net investment result on unit-linked investments
Other revs.
Total revs.
Benefits, losses & claims exps.
Policyholder dividends and participation in profi ts,
net of reinsurance
Underwriting exp.
Administrative and other operating expense
Interest exp.
Interest credited to policyholders and other
interest
Income tax
Net income
Attributable to non-controlling interests
Attributable to shareholders
Share earns. basic
Share earns. diluted
2013
47,277
2,810
2012
46,755
2,846
7,398
(1)
12,805
1,757
72,045
32,198
13,946
8,983
(34)
10,193
1,669
70,411
33,752
11,405
10,041
8,804
586
510
10,014
8,654
570
545
(1,701)
4,259
231
4,028
27.33
27.22
(1,496)
3,975
89
3,887
26.50
26.37
BalanceSheet as of Dec. 31 (Mil. US DOLLAR)
Assets:
Cash
Investments - Bonds
Investments - Stocks
Investments - Loans
Investments for unit-linked contracts
Investments - Other
Total investments
Accrd. invstmt. inc.
Reinsurers' share of reserves for insurance
contracts
Defr. policy costs
Net property
Deferred tax assets
Goodwill
Intangibles
Deposits made under assumed reinsurance
contracts
Deferred origination costs
Assets held for sale
Receivables and other assets
Total assets
Liabilities:
Reserve for premium refunds
Liabilities for investment contracts
Reserves for insurance contracts
Obligations to repurchase securities
Long-term debt
Deferred tax liabilities
Other liabs.
Capital stock
Paid-in cap.
Cumulative translation adjustment
Retained earns.
Other stockholders' equity
Unrealized gain on invstmts.
Cash flow hedges
Non-controlling interests
Total liabs.
This listing from S&P Capital IQ Market Access Program including Corporate Records should not be used for determining a company's manual exemption
status. Only the listing from Corporation Records should be used for that purpose. Redistribution is prohibited without written permission.
2013
2012
7,181
156,456
13,183
21,587
134,267
8,874
341,547
2,321
17,978
9,098
155,594
12,341
23,904
123,913
8,646
333,496
2,414
19,753
18,724
1,494
2,020
1,852
7,028
2,645
18,346
1,530
1,853
2,107
7,448
2,588
724
223
18,499
415,053
770
102
18,425
408,831
571
67,113
265,440
1,685
12,386
5,110
28,014
11
6,395
(4,080)
28,075
195
1,730
106
2,231
415,053
706
57,437
265,233
1,539
12,521
5,244
29,277
11
8,172
(3,022)
24,403
180
4,523
238
2,369
408,831
Page 3