Annual Report 2025

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Annual Report 2025

Annual Report 2025

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Annual Report 2025

Annual Report 2025
Annual Report 2024
Annual Report 2023
Annual Report 2022
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TCFD Report 2024
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Table of contents for the Annual Report 2025 report

Facts and Figures Shareholders’ Letter Strategy and BrandSegment Reporting

Switzerland France Germany International Asset Managers

Corporate Governance

Group Structure and Shareholders Capital Structure Board of Directors Corporate Executive Board Swiss Life Compensation Report for the Financial Year 2025 Report of the Statutory Auditor Shareholders’ Participation Rights Changes of Control and Defence Measures Auditors Information Policy

Risk ManagementSustainability Report

ForewordGeneral Information

Basis for Preparation Governance Strategy

Environmental Information

Climate Change EU Taxonomy Information for the Insurance Group

Social Information

Employees of the Company

Governance Information

Entity-Specific Disclosures

Cybersecurity Data Protection

Supplementary Sustainability Information

Sustainability in Insurance and Advisory Sustainability as an Asset Manager Membership of Associations Corporate Benefits and Other Services for Employees Management of Relationships with Suppliers Political Commitment Corporate Citizenship

Report on Non-Financial MattersInformation on Non-Regulatory Reporting Standards and Progress Reports

GRI Index SASB Index UN Global Compact Contribution to the Sustainable Development Goals (SDG)UNEP FI Principles for Sustainable Insurance

ESG Facts and Figures at a GlanceAppendix: Climate Change

Methodological Notes Miscellaneous

Report of the Independent Auditor

Share Performance and Historical ComparisonConsolidated Financial Statements

Consolidated Statement of Income Consolidated Statement of Comprehensive Income Consolidated Balance Sheet Consolidated Statement of Cash Flows Consolidated Statement of Changes in EquityNotes to the Consolidated Financial Statements

1 General Information 2 Summary of Significant Accounting Policies 3 Critical Accounting Estimates and Judgements in Applying Accounting Policies 4 Segment Information 5 Risk Management Policies and Procedures 6 Earnings per Share 7 Details of Certain Items in the Consolidated Statement of Income 8 Derivatives and Hedge Accounting 9 Financial Assets 10 Investment Property 11 Investments in Associates 12 Property and Equipment 13 Intangible Assets 14 Other Assets and Liabilities 15 Investment Contracts without Discretionary Participation 16 Insurance and Investment Contracts with Discretionary Participation 17 Borrowings 18 Other Financial Liabilities 19 Employee Benefits 20 Income Taxes 21 Provisions 22 Equity 23 Capital Management 24 Acquisitions and Disposals of Subsidiaries 25 Related Party Transactions 26 Fair Value Measurements 27 Offsetting Financial Assets and Liabilities 28 Guarantees and Commitments 29 Collateral 30 Events after the Reporting Period 31 Significant subsidiaries

Report of the Statutory Auditor

Swiss Life Holding Financial Statements

Management Report Statement of Income Balance Sheet Notes to the Financial Statements Profit and Appropriation of Profit Report of the Statutory Auditor

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Strategy

The Swiss Life Group is one of Europe’s leading providers of comprehensive life and pensions and financial solutions. With its products and services, Swiss Life addresses a basic human need: the ability to lead a financially self-determined life.