USD millions, unless otherwise stated 2022 2023 Change in % Group Net income/loss attributable to common shareholders 472 3 214 – Gross premiums written 47 889 49 954 4 Premiums earned and fee income 43 118 45 003 4 Earnings per share in CHF 1.63 9.94 Shareholders' equity 12 699 16 146 27 Return on equity in % 1 2.6 22.3 Return on investments in % 2.0 3.4 Net operating margin in % 2 2.7 10.0 Number of employees 3 14 408 14 719 2 Property & Casualty Reinsurance Net income/loss attributable to common shareholders 312 1 861 – Gross premiums written 23 848 24 367 2 Premiums earned 22 028 22 881 4 Combined ratio in % 4 102.4 94.8 Net operating margin in % 2 3.2 12.5 Life & Health Reinsurance Net income/loss attributable to common shareholders 416 976 – Gross premiums written 15 986 16 909 6 Premiums earned and fee income 14 984 15 648 4 Net operating margin in % 2 4.3 8.6 Corporate Solutions Net income/loss attributable to common shareholders 486 678 40 Gross premiums written 8 198 8 152 –1 Premiums earned 5 482 5 479 –0%4 93.1 91.7净工作保证金为%2 11.0 15.5