• Zurich Insurance Group average return on investment for 2015 was 6.78, a 21.71% decline from 2014.
• Zurich Insurance Group average return on investment for 2014 was 8.66, a 9.62% decline from 2013.
• Zurich Insurance Group average return on investment for 2013 was 7.9, a 13% increase from 2012.

Roi - return on investment can be defined as an indicator of how profitable a company is relative to its assets invested by shareholders and long-term bond holders. Calculated by dividing a company's operating earnings by its long-term debt and shareholders equity.