Zurich Insurance Group interim CFO Vibhu Sharma delivers his speech during his company's annual news conference in Zurich, February 13, 2014. Zurich Insurance Group reported on Thursday a business operating profit (BOP) of $ 4.7 billion and net income attributable to shareholders (NIAS) of $ 4.0 billion for the year ended December 31, 2013. REUTERS/Thomas Hodel (SWITZERLAND - Tags: BUSINESS HEADSHOT)