The Travelers Companies, Inc. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company reported total revenues of $6,477 million against $6,373 million a year ago. Operating income was $278 million against $609 million a year ago. Operating income per diluted share was $0.72 against $1.48 a year ago. Net income was $304 million against $618 million a year ago. Net income per diluted share was $0.78 against $1.51 a year ago. Return on equity was 4.7% against 10.0% a year ago. Operating return on equity was 5.0% against 11.1% a year ago. Net written premiums of $5,385 million against $5,261 million a year ago. Net cash provided by operating activities was $464 million compared to $1,501 million a year ago.

For the year, the company reported net written premiums of $22,447 million against $22,187 million a year ago. Total revenues were $25,740 million against $25,446 million a year ago. Operating income was $2,441 million against $1,390 million a year ago. Operating income per diluted share was $6.21 against $3.28 a year ago. Net income was $2,473 million against $1,426 million a year ago. Net income per diluted share was $6.30 against $3.36 a year ago. Return on equity was 9.8% against 5.7% a year ago. Operating return on equity was 11.0% against 6.1% a year ago. Book value per share was $67.31 as on December 31, 2012 against $62.32 as on December 31, 2011. Adjusted book value per share was $59.09 as on December 31, 2012 against $55.01 as on December 31, 2011. Net cash provided by operating activities was $3,230 million compared to $2,169 million a year ago.