Net insurance and investment result Other revenue and profit commission Other operating expenses Other operating expenses recoverable from co-insurers Finance costs recoverable from co- and reinsurers Subordinated and other financial liabilities Adjustments for Impairment/ disposal of property, plant and equipment and right-of-use assets Adjustments for amortisation and impairment of intangible assets Adjustments for investment return Adjustments for change in reinsurance assets Adjustments for change in insurance and other receivables Cash flows from operating activities, before movements in investments Cash flows from operating activities, net of movements in investments Net cash flow from operating activities Net cash used in investing activities Proceeds on issue of loan backed securities classified as financing activities Proceeds from other financial liabilities, classified as financing activities Net cash used in financing activities Net increase/(decrease) in cash and cash equivalents Transfer to loss on disposal of assets held for sale Disclosure of investment return Disclosure of reconciliations