Group Performance and Targets - Zurich is on track to deliver its 2025-2027 targets through disciplined strategy execution[99] - The company targets a Core EPS CAGR of >9% and a Core ROE of >23%[9] - Zurich aims for cash remittances >USD 19 billion cumulatively[9] - The estimated Swiss Solvency Test (SST) ratio has a floor of 160%[9] Business Segment Strategies and Growth - Middle Market GWP is targeted to be >USD 10 billion in FY-27[9] - The company aims to grow Life Protection GWP by 8% CAGR[9] - Farmers Exchanges are expected to continue transformation enabling sustainable growth[9] - Farmers Exchanges' available capital is up ~79% and surplus ratio at ~51%[238] Retail Business - The Retail franchise is on track to return to its long-term level of profitability while accelerating top-line growth[7] - Retail GWP grew 16% in 9M-25[57] - Zurich Santander's BOP has consistently outgrown the market by >7ppts annually[205] Specialty Business - Zurich's FY-24 GWP in Specialty was USD 9.4 billion[27] - The company is building industry leadership in Specialty through underwriting rigor and portfolio strength[24]