Important key figures
| 31.12.2024 | 31.12.2023 | Change | ||
|---|---|---|---|---|
| Portfolio data | ||||
| Number of active insureds (under age 22) | 602 | 659 | –8.6% | |
| Number of active insureds (age 22 or older) | 15,505 | 15,664 | –1.0% | |
| Average age of active insureds | 43.5 | 43.3 | 0.5% | |
| Number of retirement pensions | 7,989 | 7,857 | 1.7% | |
| Average age of retirement pensioners | 73.3 | 72.7 | 0.8% | |
| Number of disability pensions | 637 | 651 | –2.2% | |
| Number of spouse’s/partner’s pensions | 1,061 | 996 | 6.5% | |
| Number of divorce annuities | 25 | 23 | 8.7% | |
| Number of children’s pensions | 421 | 423 | –0.5% | |
| Total active insureds and pensioners | 26,216 | 26,244 | –0.1% | |
| Annual administrative experises per insured | CHF | 119.6 | 120.0 | –0.4% |
| Number of affiliated employers | 13 | 13 | –% | |
| 31.12.2024 | 31.12.2023 | Change | ||
|---|---|---|---|---|
| Balance sheet | ||||
| Balance sheet total | in CHF million | 12,932.6 | 12,248.2 | 5.6% |
| Retirement capital of active insureds | in CHF million | 5,184.5 | 4,886.7 | 6.1% |
| Retirement capital of pensioners | in CHF million | 5,383.8 | 5,452.7 | –1.3% |
| Technical reserves | in CHF million | 346.3 | 301.9 | 14.7% |
| Fluctuation reserve | in CHF million | 1,972.7 | 1,547.5 | 27.5% |
| Free reserves (shortfall) | in CHF million | – | – | –% |
| 31.12.2024 | 31.12.2023 | Change | ||
|---|---|---|---|---|
| Coverage ratio | ||||
| Coverage ratio | 118.1% | 114.5% | ||
| Target coverage ratio | 119.0% | 115.8% | ||
| Reserve deficit | 0.9% | 1.3% | ||
| Reserve deficit | in CHF million | 101.1 | 133.9 | –24.5% |
| 2024 | 2023 | Change | ||
|---|---|---|---|---|
| Investment return | ||||
| Investment return after costs | 6.9% | 4.1% | ||
| Interest on accrued retirement benefits of active insureds | 6.00% | 1.75% | ||
| Technical interest on pensioners liabilities | 1.75% | 1.75% | ||
| Pension increases | –% | –% | ||
| 2024 | 2023 | Change | ||
|---|---|---|---|---|
| Key capital flows | ||||
| Insured total salary | in CHF million | 1,817.5 | 1,818.1 | –% |
| Employee contributions | in CHF million | 183.5 | 181.4 | 1.2% |
| Employer contributions | in CHF million | 247.0 | 244.4 | 1.0% |
| Retirement pensions | in CHF million | 298.7 | 297.9 | 0.3% |
| Survivors’ pensions | in CHF million | 31.8 | 29.6 | 7.3% |
| Disability pensions | in CHF million | 19.8 | 21.2 | –6.3% |
| Lump-sum benefits and other benefits | in CHF million | 144.9 | 105.9 | 36.8% |