Zurich Insurance Group CEO Martin Senn (L) delivers his speech next to interim CFO Vibhu Sharma 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)