• Zurich Insurance Group average return on tangible equity for 2015 was 11.48, a 26.08% increase from 2014.
• Zurich Insurance Group average return on tangible equity for 2014 was 15.53, a 6.74% decline from 2013.
• Zurich Insurance Group average return on tangible equity for 2013 was 14.55, a 14.91% increase from 2012.

Return on tangible equity can be defined as the amount of net income returned as a percentage of shareholders equity, after subtracting intangible assets, goodwill and preferred equity.