Net earned premiums Assets held for sale Inflow Deposit Accounting Directly Recognised As Liability Inflow deposit accounting (directly recognised as liability) The amount of inflow deposit accounting (directly recognised as liability). Gross Inflow The amount of gross inflow. Gross inflow is the sum of gross written premiums and premium inflow from investment contracts without discretionary participation features. Gross inflow Share-based compensation Cash Flows from Used in Investing Activities within Group The cash inflow (outflow) due to investing activities within the group. Investing activities within the group Assets Loans Goodwill and other intangible assets Liabilities RPN(I) Shareholders' equity Interest, dividend and other investment income Unrealised gain (loss) on RPN(I) Remeasurement RPN Fee and commission income Insurance claims and benefits, net Fee and commission expenses Other expenses Tax income (expenses) Net result attributable to shareholders Per share data (EUR) Basic earnings per share Diluted earnings per share Change in provisions COMPREHENSIVE INCOME Remeasurement of defined benefit liability Net result for the period Total comprehensive income attributable to shareholders Share capital Share premium reserve Currency translation reserve Non-controlling interests Consolidated statement of changes in equity Revaluation of investments Transfer Change in capital Treasury shares Adjustments to non-cash items included in result before taxation: Depreciation, amortisation and accretion Impairments Provisions Share-based compensation expense Net changes in all other operational assets and liabilities Income tax paid Cash flow from operating activities Purchases of financial investments Proceeds from sales and redemptions of financial investments Purchases of investment property Proceeds from sales of investment property Purchases of property, plant and equipment Purchases of intangible assets Cash flow from investing activities Dividends paid to shareholders of parent companies Dividends paid to non-controlling interests Cash flow from financing activities Effect of exchange rate differences on cash and cash equivalents Interest paid Result before taxation R P N The amount of liabilities related to RPN. The RPN(I) is a financial instrument that results in quarterly payments being made to, or received from, BNP Paribas Fortis SA/NV. RPN(I) Other changes in equity (1) Change in revaluation of investments available for sale (1) Supplementary disclosure of operating cash flow information Accrued Interest and Other Liabilities The amount of accrued interest and other liabilities. Accrued interest and other liabilities Total expenses Attributable to non-controlling interests Net result attributable to non-controlling interests Other comprehensive income attributable to non-controlling interests Remeasurement IAS 19 Change in foreign exchange differences Foreign exchange differences Repayment of Capital Including Minority Interests, Classified as Financing Activities The cash outflow for repayment of capital (including minority interests), classified as financing activities. Repayment of capital (including minority interests) Adjustments for Increase in Liabilities Due to Proceeds from Issuance of Borrowings Adjustments for increase in liabilities due to proceeds from the issuance of borrowings to reconcile profit (loss) to net cash flow from (used in) operating activities. Proceeds from the issuance of borrowings Dividends Received from Financial Investments Classified as Operating Activities The cash inflow from dividends received from financial investments, classified as operating activities. Dividend received from financial investments Unrealised Gain (Loss) on R P N The amount of unrealised gain (loss) on RPN. The RPN(I) is a financial instrument that results in quarterly payments being made to, or received from, BNP Paribas Fortis SA/NV. Unrealised gain (loss) on RPN(I) Adjustments for Decrease of Liabilities due to Payment of Borrowings Adjustments for decrease of liabilities due to payment of borrowings to reconcile profit (loss) to net cash flow from (used in) operating activities. Payment of borrowings Adjustments for Decrease (Increase) in Loans Loans Adjustments for decrease (increase) in loans to reconcile profit (loss) to net cash flow from (used in) operating activities. Equity accounted investments Liabilities related to assets held for sale Share in result of equity accounted investments Items that will not be reclassified to the income statement: Items that are or may be reclassified to the income statement: Share of other comprehensive income of equity accounted investments Share in result of equity accounted investments Acquisitions of Subsidiaries and Equity Accounted Investments Including Capital Increases in Equity Accounted Investments The cash outflow for acquisitions of subsidiaries and equity accounted investments (including capital increases in equity accounted investments). Acquisitions of subsidiaries and equity accounted investments (including capital increases in equity accounted investments) Divestments of Subsidiaries and Equity Accounted Investments Including Capital Repayments of Equity Accounted Investments The cash inflow from divestments of subsidiaries and equity accounted investments (including capital repayments of equity accounted investments). Divestments of subsidiaries and equity accounted investments (including capital repayments of equity accounted investments) - Change in unearned premiums Reinsurance and other receivables Reinsurance and other receivables The amount of reinsurance and other receivables. Accrued interest and others assets Accrued interest and other assets The amount of accrued interest and other assets. Liabilities arising from life insurance contracts Liabilities arising from Life insurance contracts The amount of liabilities arising from life insurance contracts. Liabilities arising from life investment contracts Liabilities arising from Life investment contracts The amount of liabilities arising from life investment contracts. Liabilities arising from non-life insurance contracts Liabilities arising from Non-life insurance contracts The amount of liabilities arising from non-life insurance contracts. Liabilities related to unit-linked contracts Liabilities related to unit-linked contracts The amount of liabilities related to unit-linked contracts. Charges related to unit-linked contracts Charges related to unit-linked contracts The amount of charges related to unit-linked contracts. Investment income related to unit linked contracts - IS Investment income related to unit-linked contracts The amount of investment income related to unit-linked contracts. Other comprehensive income, before tax, change in amortisation of investments held to maturity Change in amortisation of investments held to maturity The amount of other comprehensive income, before tax, related to change in amortisation of investments held to maturity. Other comprehensive income, net of tax, change in amortisation of investments held to maturity Change in amortisation of investments held to maturity The amount of other comprehensive income, net of tax, related to change in amortisation of investments held to maturity. Total changes in operating assets and liabilities Total changes in operating assets and liabilities The cash flows from (used in) operating assets and liabilities. Investments related to unit-linked contracts Investments related to unit-linked contracts Adjustments for decrease (increase) in investments related to unit-linked contracts to net cash flow from (used in) operating activities. Adjustments for decrease (increase) in derivatives held for trading (assets and liabilities) Derivatives held for trading (assets and liabilities) Adjustments for decrease (increase) in derivatives held for trading (assets and liabilities) to net cash flow from (used in) operating activities. Adjustments for decrease (increase) in reinsurance and other receivables Reinsurance and other receivables Adjustments for decrease (increase) in reinsurance and other receivables to net cash flow from (used in) operating activities. Adjustment For disposal and revaluations Result on sales and revaluations Adjustments for disposal and revaluations to reconcile profit (loss) to net cash flow from (used in) operating activities. Claims and benefit insurance gross - Insurance claims and benefits, gross The amount of claims and benefit insurance, gross. Claims And Benefit Insurance Ceded - Insurance claims and benefits, ceded The amount of claims and benefit insurance, ceded. Adjustments for increase (decrease) in liabilities arising from insurance and investment contracts Liabilities arising from insurance and investment contracts Adjustments for increase (decrease) in liabilities arising from insurance and investment contracts to reconcile profit (loss) to net cash flow from (used in) operating activities. Adjustments for increase ( decrease ) in liabilities related to unit-linked contracts Liabilities related to unit-linked contracts Adjustments for increase (decrease) in liabilities related to unit-linked contracts to reconcile profit (loss) to net cash flow from (used in) operating activities. Net result attributable to shareholders Investments related to unit-linked contracts - Ceded earned premiums Other reserves Unrealised gains and losses Result on Sales and Revaluations The amount of gains (losses) on sales and revaluations. Result on sales and revaluations Adjustments for Remeasurement R P N Adjustments for remeasurement of RPN to reconcile profit (loss) to net cash flow from (used in) operating activities. The RPN(I) is a financial instrument that results in quarterly payments being made to, or received from, BNP Paribas Fortis SA/NV. Remeasurement RPN(I) The amount of loans. Loans Loans Liabilities arising from Life insurance contracts Liabilities arising from Life investment contracts Net Changes In All Other Operational Assets And Liabilities Net changes in all other operational assets and liabilities The cash flows from (used in) net changes in all other operational assets and liabilities. - Gross premium income Gross premium income Disclosure Of Legal Structure Explanatory Legal structure The entire disclosure for legal structure. Disclosure Of Regulatory Supervision And Solvency Explanatory Regulatory supervision and solvency The entire disclosure for regulatory supervision and solvency. Disclosure Of Loans Explanatory Loans The entire disclosure for loans. Disclosure Of Insurance Liabilities Explanatory Insurance liabilities The entire disclosure for insurance liabilities. Events after the date of the statement of financial position Contingent liabilities Income tax expenses Other expenses Change in impairments Financing costs Insurance claims and benefits Other income Insurance premiums Fair value of financial assets and financial liabilities Commitments Derivatives Non-controlling interest Provisions Accrued interest and other liabilities Borrowings Subordinated liabilities Shareholders’ equity Goodwill and other intangible assets Property, plant and equipment Equity accounted investments Investment property Cash and Cash Equivalents Information on operating segments Related parties Summary of accounting policies Financial investments Financial investments The amount of financial investments. Interest Dividend And Other Investment Income Interest, dividend and other investment income The amount of interest, dividend and other investment income. Disclosure Of R P N Explanatory RPN (I) The entire disclosure for liabilities related to RPN. The RPN(I) is a financial instrument that results in quarterly payments being made to, or received from, BNP Paribas Fortis SA/NV. Changes in accounting policies Accounting estimates Information on operating segments Consolidation principles Subsidiaries Business combinations Sale of a portion of ownership interest in a subsidiary Associates Foreign currency transactions and balances Offsetting of financial assets and liabilities Derivatives and financial instruments used for hedging Hedging Cash and cash equivalents Borrowing costs Goodwill and other intangible assets Goodwill Leased assets Other receivables Deferred acquisition costs (DAC) Reinsurance Employee benefits Provisions Contingencies Share capital and share issue costs Treasury shares Fee and commission income Income tax Deferred tax Earnings per share Risk Management Capital Management Objectives Market risk Liquidity risk Financial investments Investments available for sale Investments held at fair value through profit or loss Treasury shares Earnings per share Current and deferred tax assets and liabilities Result on sales and revaluations Investment income related to unit-linked contracts Audit fees Fair value of financial instruments Cash flow statement of which: Other Comprehensive Income Net of Tax Relating to Disposal Group Held for Sale Other comprehensive income relating to disposal group held for sale Shareholders' equity of which amounts recognised in OCI and accumulated in equity relating to disposal group held for sale Remeasurement IAS 19 Restated balance Cash and cash equivalents as at 31 December, from disposal group held for sale Cash and cash equivalents as at 31 December, from continued operations Cash and cash equivalents as at 31 December Employee share and share-linked incentive plans