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Swiss Life (SLHN) investor relations material
Swiss Life Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary12 Nov, 2025
Executive summary
Fee and commission income rose 3% in local currency to CHF 1.91 billion for the first nine months of 2025, driven by growth in own and third-party products and services.
Gross written premiums, fees, and deposits received increased 3% in local currency to CHF 16.3 billion, with positive contributions from all insurance segments.
Direct investment income reached CHF 3.13 billion, with a non-annualized yield of 2.2%.
Strong net new asset inflows of CHF 15 billion in third-party asset management (TPAM), with assets under management at CHF 142 billion as of September 2025.
SST ratio estimated at 205% at end of September 2025, well above the ambition range.
Financial highlights
Premiums in Switzerland increased 2% to CHF 8.2 billion; Group Life premiums up 2% to CHF 6.8 billion despite a declining market.
France premiums grew 4% to EUR 5.9 billion; unit-linked share in life premiums remained high at 66%.
Germany premiums up 2% to EUR 1.1 billion; fee and commission income rose 5% to EUR 634 million.
International premiums increased 8% to EUR 1.6 billion; fee and commission income declined 1% to EUR 282 million.
Asset managers' commission income rose 3% to CHF 719 million; TPAM commission income up 4%.
Outlook and guidance
Expectation to achieve a 25% share of non-recurring TPAM income for full year 2025, based on project development pipeline.
Net new assets in TPAM expected in the upper teens (CHF billions) for full year 2025.
On track to achieve all group financial targets under the Swiss Life 2027 program, with continued expansion in insurance and fee business.
Real estate fair value changes expected to remain positive for full year, driven by Swiss portfolio.
CHF 750 million share buyback programme is proceeding as planned and will run until end of May 2026.
Elaborate on TPAM net new asset inflows
What are the implications of the high SST ratio?
Why did International fee income decline?
TPAM non-cash income impact on future remittances
SST ratio sensitivity to interest rate differentials
Impact of lower Swiss rates on investment yield
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Next Swiss Life earnings date
Q4 202512 Mar, 2026
Next Swiss Life earnings date
Q4 202512 Mar, 2026
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Frequently asked questions
Swiss Life Holding AG provides life insurance, pension, and financial advisory services to private and corporate clients. The company’s offerings include individual and group life insurance, asset management, and retirement planning solutions. It operates in several European countries through multiple distribution channels. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
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