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Investor Relations14 Oct 2025
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Bâloise Holding (BALN) investor relations material
Bâloise Holding H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary10 Sep, 2025
Executive summary
Strategic refocusing and operational efficiency measures led to a 26% increase in net profit and a 2.6 percentage point improvement in the combined ratio, with return on equity rising to 15.5%.
Preparation for the planned merger with Helvetia is advancing as scheduled, with completion expected by year-end 2025 and over 95% shareholder approval.
The company responded swiftly to the Blatten landslide, incurring CHF 46.5 million in gross claims and supporting affected customers.
Financial highlights
Net profit attributable to shareholders rose 25.5% to CHF 276 million, driven by non-life, asset management, and banking.
Combined ratio improved to 90.6%, a 2.6 percentage point gain year-over-year.
Return on equity reached 15.5%, above the target range of 12–15%.
Investment-type premiums up 41.2%, while life premiums declined 10.1% due to Swiss Group Life trends.
EBIT for Non-Life increased 85.6% to CHF 229 million; Asset Management & Banking EBIT up 18.4%.
Outlook and guidance
Confident in achieving more than CHF 2 billion cash remittance for 2024–2027.
Merger with Helvetia expected to close in Q4 2025, with integration costs estimated at CHF 500–600 million and expected run-rate synergies of CHF 350 million.
New financial targets to be shared at Capital Market Day 2026.
Merger synergy realization timeline?
Non-life profitability drivers beyond claims?
German tax law change impact on deferred tax?
Expected 2025 merger integration costs?
What factors impact reaching 90% combined ratio?
Is lost full insurance business recaptured?
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Next Bâloise Holding earnings date
H2 202524 Mar, 2026
Next Bâloise Holding earnings date
H2 202524 Mar, 2026
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Eferix Drawings Google Play
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Frequently asked questions
Bâloise Holding AG is a Swiss financial services company specializing in insurance and pension solutions. The company provides a wide range of insurance products, including life, health, property, and casualty insurance, as well as asset management and pension services. Bâloise serves individual customers, businesses, and institutional clients, primarily operating in Switzerland, Germany, Belgium, and Luxembourg. The company is headquartered in Basel, Switzerland, and its shares are listed on the SIX.
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