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◆ helvetia Ad hoc announcement pursuant to Art . 53 LR Basel , 17 September 2026 Helvetia Baloise delivers strong half - year operating results and fast integration progress while maintaining excellent capitalisation " Helvetia Baloise has made a strong start as a merged Group . Our first combined half- year results show strong earnings and attractive returns . Our solid combined ratio reflects disciplined execution and sound underwriting . These achievements , together with the faster - than - anticipated realisation of synergies and efficiencies , provide a strong foundation for the next phase of value creation . Our focus now is on harnessing the full potential of our combined Group to deliver sustainable profitable growth and long - term value for all our stakeholders . " Fabian Rupprecht , Group CEO of Helvetia Baloise Key highlights - half - year results • • • • Strong financial performance : Underlying earnings amounted to CHF 631.6 million , with an annualised underlying return on adjusted equity1 of 18.7 % , which is above Helvetia Baloise's 2026 to 2028 target range . Group IFRS net income amounted to CHF 84.6 million . A combined ratio of 92.0 % demonstrates continued underwriting discipline . Excellent financial strength maintained : An estimated SST ratio of around 270 % ² as at 30 June 2026 and S & P's A + financial strength rating confirm the Group's robust capitalisation and financial resilience . Synergies and efficiencies ahead of plan : Synergies and efficiencies are being locked in faster than anticipated , with close to 50 % of the CHF 650 million long - term run - rate target already secured . Helvetia Baloise now expects to exceed its previous guidance of around 50 % by the end of 2026 and is raising this guidance to around 60 % . From integration to value creation : The integration is progressing well , with legal and market integration in Switzerland completed , and the launch of the broker and tied agents channels in Germany marking key milestones . With these key milestones in place , the Group is fully focused on harnessing further synergies and delivering sustainable value creation ; the Group Executive Committee is aligned for the next phase of integration . 1 Underlying earnings for shareholders after interest on preferred securities divided by adjusted average IFRS shareholders ' equity ( excl . fair value reserve , insurance finance reserve , intangible assets and goodwill from the Helvetia Baloise merger ) 2 The pro forma combined SST figure shown represents an internal , indicative estimate , provided for capital markets purposes only , and does not constitute a regulatory - relevant SST figure . Helvetia Baloise Holding Ltd media information